HUNTINGTON PERSONAL ACCOUNT DISCLOSURES

The Huntington National Bank is an Equal Housing Lender and Member FDIC. ® , Huntington®, Asterisk-Free Checking®, Huntington Plus Checking® and 24-Hour Grace® are federally registered service marks of Huntington Bancshares Incorporated. 24-Hour Grace® system and method patented. US Pat. No. 8,364,581. ©2014 Huntington Bancshares Incorporated. HUN619-RET_DISC To Our Valued Customers: PERSONAL ACCOUNT DISCLOSURES We are grateful for the opportunity to serve your banking needs, and assure you we will continue to strive to earn your respect and confidence. We are providing you with these Account Documents, which detail all of the specifics of our products I. CHANGES IN PERSONAL DEPOSIT ACCOUNT TERMS AND CONDITIONS and services. Contained within is information about Personal deposit accounts, The Rules and Regulations for Deposit Accounts referenced in this account including Certificates of Deposit and Individual Retirement Account Plans – one or disclosure booklet are effective as of the date your accounts are transferred to more of which may apply to you. Please keep this booklet with your other important Huntington. Your designated checking, money market and savings account(s) will documents, and refer to it whenever the need arises. Again, thank you for allowing us be governed by The Huntington National Bank (“Huntington”) Agreement and to be of service to you. Disclosure of Account Terms and Rules and Regulations (“Rules and Regulations”). “You” and “your” mean the owner(s) of the account. “We,” “us” and “our” mean The Your designated Certificates of Deposit, which renew on or after the effective date Huntington National Bank. disclosed in the enclosed letter, will be governed by the Rules and Regulations upon renewal. This Disclosure booklet includes Huntington’s “Funds Availability Policy,” “Electronic Banking Services Agreement and Disclosure Statement,” “Electronic TABLE OF CONTENTS Transfer Agreement and Disclosure Statement,” and “Customer Information Privacy Notice”. Additional information is included in the Personal Account Charges Form. Personal Accounts The Rules and Regulations replace the Deposit Agreement and Disclosures of I. Changes in Personal Deposit Account Terms and Conditions...... 3 your account and all other disclosures previously provided to you for your Bank of II. The Huntington National Bank Arbitration Provision for Deposit Accounts. . 8 America account. III. Provisions Applicable to Personal Checking Accounts We have highlighted below some of the differences between your current account (Asterisk-Free, Huntington Plus and Employee Plus)...... 11 terms and the new terms. We ask you to read the entire Rules and Regulations and all other account documents. IV. Personal Account Charges Form for Personal Checking Accounts (Asterisk-Free, Huntington Plus and Employee Plus)...... 28 All Deposit Accounts V. Funds Availability Policy Applicable to All Personal Checking Accounts . . . 41 • The Account Documents are subject to an Arbitration Provision, which you VI. Agreement and Disclosure of Account Terms and Rules and should read carefully. If a dispute between you and us is arbitrated, the Regulations for Personal Savings and Money Market Accounts Arbitration Provision will substantially affect your rights, including your right to (Premier Savings, Premier Money Market have a court trial or to bring, join in or participate in a class action. and Premier Plus Money Market) ...... 46 • Huntington defines a dormant account as one on which you do not initiate activity VII. Personal Account Charges Form for Personal Savings and for a substantial period of time. In that event, we may charge dormant account fees Money Market Accounts on the account, in addition to other charges. (See “Unclaimed Funds and Dormant (Premier Savings, Premier Money Market Accounts” and also the Personal Account Charges Form included in this booklet.) and Premier Plus Money Market) ...... 62 • We have described the rules applicable to account ownership in greater detail. (See VIII. Certificate of Deposit Account Agreement and “Account Ownership,” “Transferring Ownership,” “Joint Accounts,” “Joint Account Disclosure of Account Terms and Rules and Regulations...... 72 Survivorship Rights,” “Liability of Joint Account Owners,” “Accounts Payable on IX. Individual Retirement Account Plan...... 85 Death” and “Accounts for Minors.”) X. Electronic Transfer Agreement and Disclosure Statement ...... 95 • Authorized Signors will no longer be honored unless we receive a Power of Attorney or similar document. If you would like an authorized signor who is not a Power of XI. Electronic Banking Services Agreement and Disclosure Statement . . . . 102 Attorney or similar to continue to have access to the account, you must add them as XII. FDIC Insurance Information ...... 109 a joint owner on the account. Please consult the Joint Rights of Survivorship section XIII. Notice for Checking Reserve or Credit Line Accounts...... 109 before adding a joint owner to your account. XIV. Safe Deposit Box Agreement...... 110 • We have added or changed the following provisions. (See “Notice of Arbitration Provision,” “No Special Access or Other Requirements,” “Communications to You Including to Cell Phones,” “Adverse Claims,” “Alert and Text Services,” “Night Depository,” “Disclosure of Information to Others,” “Recording” and “Our Other Rights.”) • We have further clarified the information contained in the “Subaccounts” section.

2 3 • We have described in greater detail the rules applicable to deposits and – State and local government checks and cashier’s, certified or teller’s checks, withdrawals. (See “Making Deposits,” “Withdrawals,” “When Fees Are Incurred if they are payable to you and if you use a special deposit slip available, upon and Debited,” “Timing of Transactions,” “Special Rules for Pending Transactions”, request, at our banking offices; and “Posting Order,” “Overdrafts and Returns,” “Fees for Overdrafts and Returns,” – Traveler’s Cheques, during the first thirty (30) calendar days a new account is “Overdraft Protection Transfer Plans” and “Transaction Limits.”) open, if they are payable to you and if you use a special deposit slip available, • We have modified the provisions regarding your liability if you fail to notify us of an upon request, at our banking offices. error. • Electronic direct deposits will be available on the designated effective date of the • We have modified the provisions regarding amending the terms and conditions transaction. (See “Availability of Electronic Deposits” and “Availability of Other applicable to your deposit accounts and the means of giving notice to you. (See Deposits.”) “Notices,” “Closing Your Account,” “Change in Terms” and “Electronic Documents; • Applicable cut-off times are posted in each banking office if the cut-off time doesn’t Document Retention.”) coincide with the Branch closing time on a business day. Please note the earliest • Our rules include provisions reflecting that we are a National Bank. (See “Where cut-off time for deposits made in person to one of our employees is 2:00 p.m. local Your Account Is Maintained” and “Governing Law.”) time. The earliest cut-off time for deposits made at automated teller machines (ATMs) will be 12:00 p.m. If a later cut-off time is applicable, it will be posted at All Money Market and Savings Accounts the ATM. The Night Depositories are not available for you to make deposits when Huntington Offices are open. (See “Determining the Availability of a Deposit,” We have described in greater detail the transaction limits that are imposed by “Availability of Deposits Made at Automated Teller Machine” and “Deposits Made at federal regulations. We can refuse to permit excessive withdrawal(s), terminate your Night Depositories.”) automatic or third-party transfer and payment privileges, convert your account to a transaction account, stop paying interest on your account and/or close your account. • In the event a longer delay may apply, Huntington will generally make funds (See “Transaction Limits.”) Any fees for excess activity will vary based on account available no later than the seventh business day after the business day of deposit. type. (See the Personal Account Charges Form included in this booklet.) (See “Longer Delays May Apply.”) • Huntington’s Funds Availability Policy applies to funds deposited into your personal All Savings Accounts checking account(s) at Huntington offices located in Ohio, Indiana, Kentucky, We compound and pay interest on a quarterly basis. (See “Rate Information.”) Michigan, Pennsylvania and West Virginia. (See “Funds Availability Policy.”) • We have clarified how holds are placed on your account for checks drawn on All Certificate of Deposit (CD) Accounts another financial institution or entity. (See “Holds on Other Funds.”) Upon renewal of any CD it will become subject to the terms in Section VIII of this document, Certificate of Deposit Account Agreement and Disclosure of Account Terms Special Rules for Pending Transaction and Rules and Regulations. Certain transactions, such as debit card purchases and ATM transactions, have a two-step process that can affect availability of funds in your account to pay other Funds Availability Policy items. These transactions usually first have an electronic authorization request, which is followed on the same day or in the next few days by an electronic request for • Bank of America’s funds availability policy found in the Deposit Agreement and settlement. Disclosures has changed. Consumer accounts are considered new during the first six months of account opening instead of 30 days. If your checking account The amount of the authorization request may not be available to cover other relationship with Huntington is under six months old, up to $500 of some check transactions pending final settlement. This can cause other transactions to be deposits will be available on the first business day after the business day of deposit. returned unpaid or to overdraw your account. However, we will not charge an The remaining balance of the deposit will normally be available on the second Overdraft Fee or a Return Fee if there would have been enough available funds in business day after the business day of the deposit depending upon the location of your account but for the pending authorization request. However, if we return other the financial institution or entity upon which the deposited check is drawn. (See transactions unpaid, that may have other adverse consequences for you, such as fees “Availability of Other Deposits” and “Availability of Deposits Made at Automated charged by the payee of the returned transaction. Teller Machines.”) When the debit card purchase or ATM transaction is finally settled, it can cause your • In addition, the entire amount of the following deposits will be available on the first account to overdraw if there are not enough funds in your account at the time of business day after the business day of the deposit: settlement. This may cause an Overdraft Fee if you have opted in to debit overdraft coverage (see “Fees for Overdrafts and Returns”). – Cash; Consider the following example: Assume you start the day with an account balance of – Checks drawn on The Huntington National Bank; $50, then during the day you make a debit card purchase of $35 that we authorize – U.S. Treasury checks, U.S. Postal Service Money Orders, Federal Reserve Bank as a pending transaction. Later that day a check for $30 you wrote a few days ago checks and Federal Home Loan Bank checks, if they are payable to you; is presented to us for payment. The pending debit card authorization reduces the

4 5 available funds in your account to $15, which is not enough to pay the $30 check. • We have also added the following sections: “Changing the Terms of This We may, depending on criteria we establish, and your opt-in/out preferences for debit Agreement,” “Terminating This Agreement,” “Recording,” “Notices,” “Transfers We overdraft coverage, do one of the following: Will Honor” and “Statements.” • Return the check, but not charge you a Return Fee, since there would have been • We have clarified how to cancel future scheduled payments in the “Stopping enough in your account to pay the check, except for the $35 pending debit card Certain Electronic Payments” section. authorization. (If the check had been for $55—more than your account balance— • We are including additional examples where we will not have liability for failure to and we returned it, we would charge you a Return Fee.) If we return the $30 complete transactions beyond our control; see “Our Liability.” check, assuming there are no other transactions, your account balance on the next business day (without considering the $35 pending debit card authorization) will • For changes pertaining to new accounts, please see “Preauthorized Electronic still be $50. If the $35 debit card purchase is presented to us for final settlement Transfer Agreement and Disclosure Statement” and “In Case of Errors or Questions on that next business day, it would reduce your account balance to $15 and your About Your Preauthorized Electronic Transfers.” account would not be overdrawn. Huntington’s Electronic Banking Services Agreement and Disclosure Statement • Pay the check and not charge you an Overdraft Fee, since there would have been enough in your account to pay the check, except for the $35 pending debit card • This agreement covers ATM, PIN-Based Merchant Transactions, Debit Card authorization. (If the check had been for $55—more than your account balance— Merchant Transactions and Direct Line Transactions. and we paid it, we would charge you an Overdraft Fee.) If we pay the $30 check, • Please see “Your Liability” for important changes with respect to notifying the bank assuming there are no other transactions, your account balance on the next if your card is lost, stolen or used without your permission. business day (without considering the $35 pending debit card authorization) will be $20. If the $35 debit card purchase is presented to us for final settlement on • You may make cash withdrawals or purchases of up to $400 at an ATM or POS that next business day, generally we are required to pay it under debit card network terminal each day per card account, as explained in “Limits on Frequency and rules. However, that will cause your account to overdraw ($20 minus $35) and your Dollar Amount of Transactions.” Other limits may apply. account balance will be negative $15. In that case, we will charge an Overdraft Fee, • There is a new phone number and address to report “Unauthorized Use, Loss or unless you have previously opted out of debit overdraft service. Theft” of your Check Card: 1-800-480-BANK (2265) or write to us in care of The Huntington National Bank, Bank Card Security, 7 Easton Oval (EA5E99), Columbus, Automatic Transfers Ohio 43219. Huntington attempts to make each scheduled transfer only one time per transfer • There is also a new phone number and address “In Case of Errors or Questions cycle. If funds are not available, the transfer may not be processed and you may be About Transactions Covered by This Agreement”: 1-800-480-BANK (2265) or write charged a fee. to us in care of The Huntington National Bank, EA4W61, P.O. Box 1558, Columbus, Ohio 43216. Electronic Fund Transfers • We explain the circumstances in which Huntington will disclose your information to third parties in “Disclosure of Information to Others.” • Your transfers will be governed by Huntington’s Electronic Transfer Agreement and Disclosure Statement. • This agreement is subject to federal and Ohio law. If any of the terms of this agreement cannot be legally enforced, they will be considered changed to the • The phone number available to verify electronic deposits is 1-800-480-BANK extent necessary to comply with applicable law. (See “Law That Applies.”) (2265). • We are including additional examples where we will not have liability for failure to • Huntington’s new phone number and address to place stop payment requests or complete transactions beyond our control. (See “Our Liability.”) report unauthorized electronic payments are: 1-800-480-BANK (2265) or write to us in care of The Huntington National Bank, EA4W61, P.O. Box 1558, Columbus, • We have clarified the applicable time period within which we will credit your Ohio 43216. account if you notify us of an error. (See “In Case of Errors or Questions About Transactions Covered by This Agreement.”) • The new phone number and address “In Case of Errors or Questions About Your Preauthorized Electronic Transfers” are: 1-800-480-BANK (2265) or write to us in • We have also added the following sections: “Making Deposits or Paying Bills at an care of The Huntington National Bank, EA4W61, P.O. Box 1558, Columbus, Ohio ATM,” “International Transactions,” “Personal Identification Number (PIN) and 43216. Secret Code,” “Receipts,” “Statements,” “Changing the Terms of This Agreement,” “Terminating This Agreement” and “Notices.” • We explain the circumstances in which Huntington will disclose your information to third parties in “Disclosure of Information to Others.” • We have clarified the charges associated with electronic fund transfers. (See the Personal Account Charges Form included in this booklet.) • This agreement is subject to federal and Ohio law. If any of the terms of this agreement cannot be legally enforced, they will be considered changed to the • Debit Card Merchant Transactions are permitted only from your qualified checking extent necessary to comply with applicable law. (See “Law That Applies.”) account. (See “Debit Card Merchant Transactions.”)

6 7 Huntington’s Privacy Policy meaning, and includes initial claims, counterclaims, cross-claims and third-party Huntington’s Privacy Notice describes our policies and practices with respect to claims. It includes disputes based upon contract, tort, consumer rights, fraud and privacy. It also contains instructions on how to communicate your privacy preferences other intentional torts, constitution, statute, regulation, ordinance, common law and (or “opt-outs”) to us. Your privacy preferences previously communicated to Bank of equity (including any claim for injunctive or declaratory relief). America will not transfer to Huntington. Since our policies and practices may differ (b) What Claims Are Not Covered: A “Claim” does not include disputes about the from those of Bank of America, it is important that you read this information carefully. validity, enforceability, coverage or scope of this Arbitration Provision or any part Privacy preferences previously communicated to Bank of America will not transfer. thereof, including, without limitation, the Class Action and Consolidation Waiver (see Please contact Huntington to reestablish privacy preferences with Huntington. In paragraphs (e) and (f) below) and/or this sentence; all such disputes are for a court addition, you can stop by the nearest Huntington branch at any time to change your and not an arbitrator to decide. We will not choose to arbitrate an individual Claim that privacy preferences. you bring against us in small claims court or your state’s equivalent court, if any. But if that Claim is transferred, removed or appealed to a different court, we then have the right to choose arbitration. Furthermore, nothing in this Arbitration Provision limits or II. THE HUNTINGTON NATIONAL BANK ARBITRATION PROVISION constrains any (i) right to self-help remedies, such as the right of set-off or the right FOR DEPOSIT ACCOUNTS to restrain funds in a deposit account, (ii) individual judicial action by a party that is limited to preventing the other party from using a self-help remedy and that does not THIS ARBITRATION PROVISION CONTAINS IMPORTANT INFORMATION involve a request for damages or monetary relief of any kind, (iii) right or obligation to ABOUT YOUR DEPOSIT ACCOUNTS WITH US. IT PROVIDES THAT EITHER interplead funds in the event of a dispute, (iv) right to exercise any security interest YOU OR WE CAN START A BINDING ARBITRATION PROCEEDING TO or lien in property, (v) obligation to comply with legal process or (vi) right to obtain RESOLVE ANY CLAIMS (AS DEFINED BELOW). ARBITRATION REPLACES provisional remedies with respect to funds or property, such as injunctive relief, THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO PARTICIPATE IN seizure, attachment or garnishment by a court having appropriate jurisdiction. A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, THE CLAIM (c) How Arbitration Is Started: Either you or we may start the arbitration of any Claim. IS SUBMITTED TO A NEUTRAL PARTY, AN ARBITRATOR, INSTEAD OF A Arbitration is started by giving written notice to the other party of the intent to start the JUDGE OR JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE arbitration. Except as otherwise provided by the Federal Arbitration Act, this notice LIMITED THAN RULES APPLICABLE IN COURT. THE DECISION OF THE may be given before or after a lawsuit has been started over the Claim or with respect ARBITRATOR IS FINAL AND BINDING. to other Claims brought later in the lawsuit. If you start the arbitration, you must notify us at the following address: The Huntington National Bank, Deposit Account Arbitration, Attention: Customer Service, P.O. Box 1558, Columbus, Ohio 43272. If This Arbitration Provision describes when and how a Claim (as defined below) with we start the arbitration, we will notify you in writing at your last known address we respect to a deposit account may be arbitrated. The term “deposit account” means have on file. Arbitration of a Claim must comply with this Arbitration Provision and, to any deposit account or safe deposit box at The Huntington National Bank. The terms the extent not inconsistent or in conflict with this Arbitration Provision, the applicable “you” and “your” mean each deposit account owner and any other person having rules of the arbitration administrator. any legal or beneficial interest in any deposit account or any authority to access any (d) Choosing the Administrator: The party starting the arbitration proceeding deposit account or deposit account information or conduct transactions with respect must choose either the American Arbitration Association (www.adr.org) or JAMS to any deposit account. The terms “we,” “us” and “our” mean (i) The Huntington (www.jamsadr.com) as the administrator. However, if you are the party starting National Bank, its parent companies, wholly or majority-owned subsidiaries, affiliates, the arbitration proceeding, you may, subject to our agreement, choose a different successors, assigns and any of their employees, officers and directors and (ii) any arbitration agency or arbitrator that qualifies with the requirements of this Arbitration third party providing any services in connection with a deposit account if such third Provision to act as administrator. In all cases, the arbitrator(s) must be a lawyer with party is named as a party by you in any lawsuit between you and us. By opening more than 10 years of experience. However, no arbitration may be administered a deposit account with us or accepting or using any deposit account services, you by an arbitration agency or arbitrator that will not follow, or has any policies or agree to all of the terms of this Arbitration Provision. procedures materially inconsistent with, the terms of this Arbitration Provision. If (a) What Claims Are Covered: Except as otherwise limited by this Arbitration for any reason the chosen arbitration agency or arbitrator is unable or unwilling or Provision, “Claim” means any claim, dispute or controversy between you and us ceases to serve as the administrator, or does not qualify or ceases to qualify as an that in any way arises from or relates to a deposit account. It includes any claim, administrator under the terms of this Arbitration Provision, the parties shall, within dispute or controversy concerning any fees or charges relating to any deposit account 20 days after learning of such inability, unwillingness, cessation or disqualification, and any services relating to any deposit account, including but not limited to safe agree on another arbitration agency or arbitrator that does qualify under the terms of deposit box services, wire transfer services, treasury management services, online this Arbitration Provision. In the absence of such agreement, either party may apply or telephone banking services, automated teller machine services and debit card to a court of competent jurisdiction for the court to appoint an arbitrator or arbitration services. It includes not only any claim, dispute or controversy directly between agency; provided, however, that such arbitrator or arbitration agency must conduct you and us, but also any such matter with respect to anyone connected with you or the arbitration in accordance with this Arbitration Provision. claiming through you, such as a joint account holder, account beneficiary, trustee, guardian or any other representative or agent. “Claim” has the broadest possible

8 9 (e) Court and Jury Trials Prohibited and Other Limitations on Legal Rights: If (i) Governing Law: This Arbitration Provision is governed by the Federal Arbitration arbitration is started with respect to a Claim, or if a court compels a Claim to be Act, 9 U.S.C. §§ 1 et seq. and not by any state arbitration law. The arbitrator must arbitrated under this Arbitration Provision, all of the following apply: apply applicable substantive law consistent with the Federal Arbitration Act and • There will be no right to try that Claim in court. applicable statutes of limitations and claims of privilege recognized at law. In addition to the Federal Arbitration Act, this Arbitration Provision is governed by other federal • There will be no jury trial on that Claim. laws of the United States of America. To the extent federal law does not apply, the • There will be no discovery, except as allowed by the arbitration rules of the law of the state governing your deposit account applies. The arbitrator is authorized administrator or this Arbitration Provision. to award all remedies permitted by the substantive law that would apply if the action were pending in court. At the timely request of either party, the arbitrator must • We and you are prohibited from participating in a class action or class-wide arbitration with respect to that Claim (the “Class Action and Consolidation provide a brief written explanation of the basis for the award. Waiver”). This means that neither we nor you can be a representative or member (j) Right to Discovery: In addition to the parties’ rights to obtain discovery pursuant of any class of claimants or act as a private attorney general or in any other to the arbitration rules of the administrator, either party may submit a written request representative capacity in court or in arbitration with respect to that Claim. This to the arbitrator to expand the scope of discovery normally allowable under the also means that the arbitrator has no power or authority to conduct any class- arbitration rules of the administrator. The arbitrator shall have discretion to grant or wide arbitration. In addition, this means that Claims brought by or against one deny that request. or more of you may not be joined or consolidated in the arbitration with Claims (k) Arbitration Result and Right of Appeal: Judgment upon the award given by the brought by or against any other depositor or person connected with a different arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision is deposit account (unless such persons are joint account holders or beneficiaries final and binding, except for any right of appeal provided by the Federal Arbitration on your deposit account and/or other deposit accounts held by you). Act. However, if the amount of the Claim exceeds $100,000, any party can appeal • Except as allowed by this Arbitration Provision and the Federal Arbitration Act, the award to a three-arbitrator panel administered by the administrator which shall the arbitrator’s decision will be final and binding. reconsider any aspect of the initial award requested by the appealing party. The decision of the panel shall be by majority vote. Reference in this Arbitration Provision • Other rights that you or we would have in court may also not be available in arbitration. to “the arbitrator” shall mean the panel of arbitrators if an appeal of the arbitrator’s decision has been taken. Subject to applicable law, costs of such an appeal will be (f) Effect of Class Action and Consolidation Waiver: If the Class Action and borne by the appealing party regardless of the outcome of the appeal. However, we Consolidation Waiver is invalidated or not enforced in a court proceeding, then this will consider any good faith, reasonable request for us to pay all or any part of those entire Arbitration Provision (except for this sentence) shall be null and void. Nothing fees if you are the appealing party. in this paragraph (f) shall affect the right of any party to appeal any invalidation or non-enforcement of the Class Action and Consolidation Waiver. (l) Rules of Interpretation: This Arbitration Provision shall survive (i) the termination or closing of the deposit account or related services, (ii) any changes to the deposit (g) Location of Arbitration: Any arbitration hearing that you attend must take place at account or related services, (iii) any legal proceeding, (iv) any use of the right of a location reasonably convenient to your residence. set-off or any other self-help remedy or other remedy or action, (v) any transfer or (h) Cost of Arbitration: Each administrator charges fees to administer an arbitration assignment of the deposit account and (vi) any bankruptcy of any party (to the extent proceeding. This may include fees not charged by a court. When you choose an consistent with applicable bankruptcy law). Subject to paragraph (f), if any portion of administrator, you should carefully review the fees charged by the administrator. If this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the you or we start arbitration of a Claim, we will pay or reimburse you for up to $1,000 in remaining portions of this Arbitration Provision, provided that such remaining portions fees that would otherwise be charged to you by the administrator. However, you may are not then materially inconsistent with the terms of this Arbitration Provision prior tell us in writing that you can’t afford to pay the fees charged by the administrator or to such determination of invalidity or unenforceability. In the event of a conflict or that you believe those fees are too high. If you do so, we will pay or reimburse you inconsistency between this Arbitration Provision and the applicable arbitration rules, for up to all of the fees that would otherwise be charged to you by the administrator if this Arbitration Provision shall govern. your request is reasonable and in good faith. We will always pay the fees if applicable law requires us to. We will not ask you to pay or reimburse us for any fees we pay Last Revision Date 02/2011 the administrator. Notwithstanding any provision in the deposit agreement or any other applicable agreement or any right we may have under applicable law, (i) we III. PROVISIONS APPLICABLE TO PERSONAL CHECKING ACCOUNTS will pay your reasonable attorneys’, experts’ and witnesses’ fees with respect to any Claim in the arbitration on which you prevail, whether you or we start the arbitration, Agreement and Disclosure of Account Terms and Rules and Regulations for or as required by applicable law, but otherwise those fees will be your obligation, and Consumer Checking Accounts (ii) we will not ask you to pay or reimburse us for any of our attorneys’, experts’ and witnesses’ fees in connection with the arbitration, regardless of which party prevails in “You” and “your” mean the owner(s) of the account. “We,” “us” and “our” mean The the arbitration. Huntington National Bank. This Agreement and Disclosure of Account Terms and Rules and Regulations for Consumer Checking Accounts (the “Rules and Regulations”) applies to any type of

10 11 checking account you are opening with us except (i) any type of checking account Charges we offer for businesses and (ii) any type of checking account we offer for consumers You agree to pay the applicable fees and charges set forth from time to time in the for which we have separate Rules and Regulations for that type of account. If we are Personal Account Charges Form applicable for the type of account you have. You providing you with these Rules and Regulations for an existing account, these Rules also agree to pay any fees and charges we assess in connection with garnishments, and Regulations replace the Rules and Regulations for that existing account. attachments, levies, support orders, court orders, or other process involving your These Rules and Regulations, the Personal Account Charges Form for the type of account. You also agree to pay our fees and charges for additional services in checking account you have, the rate sheet for the type of checking account you connection with your account. We will not charge an Overdraft Fee for fees and have (if any), any signature card for your account and any other documents for your charges assessed into overdraft. account or to access or perform transactions on your account are collectively referred You authorize us to debit all fees and charges from your account, whether or not that to as the “Account Documents”. The Account Documents collectively constitute the causes an overdraft in your account. deposit contract for your checking account. We may from time to time, in our sole discretion, waive certain fees and charges on a one-time, periodic or other basis without changing the terms of these Rules NOTICE OF ARBITRATION PROVISION and Regulations or your obligations under these Rules and Regulations and without The Account Documents are subject to an Arbitration Provision, which you obligating us to provide similar waivers in the future. should read carefully. If a dispute between you and us is arbitrated, the Arbitration Provision will substantially affect your rights, including your right When Fees Are Incurred and Debited to have a court trial or to bring, join in or participate in a class action. Monthly fees are incurred at the beginning of the monthly statement period and debited at the end of the statement period. For new accounts, monthly fees are incurred when the account is opened. When an account is closed, monthly fees are debited when the Account Relationship account is closed rather than waiting until the end of the statement period. Monthly If we are opening a new checking account for you, you agree to all of the provisions fees incurred for the monthly statement period in which an account is opened or closed contained in the Account Documents and all of our procedures that govern checking apply for the entire statement period even though the account may be opened for less accounts. than a full month during that statement period. However, any monthly fee incurred will be waived if a waiver condition applies. During the monthly statement period in which If we are transferring your funds to a new type of checking account from an existing an account is opened or closed, minimum or average daily balance requirements are checking account, which we are closing, your new checking account may have the computed for the days the account was opened during that statement period. same account number as the existing checking account it is replacing. Your new checking account is subject to all of the provisions of the Account Documents and all Activity or transactional fees are incurred when the activity or transaction occurs, and may of our procedures that govern checking accounts. be debited when the activity or transaction occurs or at the end of the monthly statement period. When an account is closed, activity or transactional fees may be debited when the If we are responding to your request for information about your existing checking account is closed if not previously debited during that statement period. account, then the Account Documents set forth the provisions that govern your existing checking account. Bonuses If we are responding to your request for information about our checking accounts, then we are not opening any account for you and the Account Documents have no If we offer any bonus in connection with opening your account, we will provide legal effect other than to provide information to you. All of the information we provide information about the bonus on a separate document given to you along with these to you is subject to change. Rules and Regulations.

Transaction Limits Making Deposits Although you may normally make withdrawals from your account at any time, under You may make deposits to your account in any manner we permit at any time our applicable federal law we can require you to give us seven days’ prior notice of any banking offices or other deposit-taking facilities are open. All deposits are made withdrawal, including but not limited to any withdrawal by check or by electronic subject to our verification procedures and the terms and conditions on our deposit means. The foregoing sentence does not apply to your account if it is a demand slip or depository envelope (if any). We may refuse, limit or return deposits for any deposit account (see “Demand Deposit Accounts” section below). reason and at any time, including, but not limited to, deposits made at our banking offices, or when we or others process the deposit for collection. Any of you may make Any limitations on electronic funds transfers available for your account are set forth in deposits or, when permitted by law or by the terms of the item, endorse the other’s the agreement and disclosure for that electronic funds transfer service. checks or other items for deposit to your account. You may not use or permit your account to be used to make or participate in illegal You authorize us to accept checks and other items and entries (“deposited items”) transactions or Internet gambling. We will not be liable if you engage in an illegal for deposit to your account if they are made payable to, or to the order of, any one transaction or Internet gambling. We may reject or deny any transaction, including or more of you, whether or not they are indorsed by you. You authorize us to supply but not limited to merchant authorization or other electronic inquiries, if we believe missing indorsements and you warrant that all indorsements are genuine. We will there is a reason to do so, including any illegal or Internet gambling transaction. act as your agent in collecting the money for deposited items. We will be careful 12 13 in making collections, but we will not be responsible for losses caused by you or or payment was not placed in the night depository, and we have no responsibility others in the collection process. We may credit your account for the amount of or liability for it. We likewise are not responsible or liable for any loss of deposits or deposited items, subject to actually collecting the money for them. However, subject payments caused by fire, flood, water damage, vandalism, burglary or acts of God. to applicable federal law and our Funds Availability Policy, we reserve the right to wait We may cease availability of a night depository at any time without notice to you. until we have actually received the money for deposited items before we credit your account, and to receive deposits subject to special conditions. Withdrawals If we credit your account for the amount of any deposited item and it is returned for Except as otherwise limited by these Rules and Regulations, withdrawals from your any reason, we may debit that amount from your account. We may also charge you a account may be made in person, by writing checks or in any other manner we permit. fee for such returned deposited items. We may debit the amount from your account Transfers from your account are withdrawals. even before a deposited item is returned to us if we have reason to believe it cannot All checks must be on forms you get from us or that we approve. You must complete be collected or is being returned. You will be responsible for, and agree to indemnify the check in dark blue or black ink. Unless otherwise required by applicable law, we us and hold us harmless from, any liability, loss or expense (including reasonable will charge against your account any postdated check you have written even if it is attorneys’ fees) arising from a deposited item that is returned to us, even after it is presented before the date of the check. initially paid, for an alleged breach of warranty under applicable law or other reason not caused by us, including, but not limited to, a claim of forged or unauthorized Subject to applicable federal law and our Funds Availability Policy, we reserve the endorsement, a claim of alteration, or a claim that a remotely created check (a check right to refuse to pay any check or permit any other withdrawal if there is not a that does not bear a signature applied, or purported to be applied, by the person on sufficient amount of money in your account that has been collected or if we have not whose account the check is drawn) is not authorized. learned that collection is final. We may charge a fee to the person to whom you wrote a check if that person attempts to negotiate the item with us but does not have an If you make a deposit in foreign currency, we will post the transaction in U.S. dollars account with us. based on the currency exchange rate we determine is in effect on the day we settle the transaction. The currency exchange rate may be different on that day than on the We are not responsible to take action on, or for failure to notify you, of restrictive day we processed the transaction. There may be special currency exchange charges. language placed on checks or other items, including but not limited to terms such This may result in your account being posted for a greater or lesser amount than the as “void after 90 days”, “paid in full”, “two signatures required”, “void over $100” original amount of the transaction. or similar statements. In accordance with reasonable banking standards, most checks and other items are processed through automated processing systems and, All deposited items must be completed in dark blue or black ink. You may not deposit except in limited circumstances and in our discretion, most items are not individually a substitute check with us unless 1) we otherwise agree in a separate writing with you examined. You agree that we act within reasonable banking standards by processing or 2) a check that you deposit is returned to you as a substitute check for the first most checks and other items through automated processing systems. time. You will be responsible for, and agree to indemnify us and hold us harmless from, Timing of Transactions any liability, loss or expense (including reasonable attorneys’ fees) arising from a deposited check that is not completed in dark blue or black ink, or a deposited We will treat each deposit and withdrawal as having been made on the day we post substitute check that violates this paragraph. In addition, you will be responsible for, it to your account. We may treat any deposit or withdrawal made on a day that is and agree to indemnify us and hold us harmless from, any liability, loss or expense not a business day (such as Saturdays, Sundays, and holidays, even if we are open (including reasonable attorneys’ fees) arising from a delay in return caused by any on those days) or after our cut-off time on any business day as if made on our next condition of a deposited check arising after it is issued and before we accept it for business day. deposit (including, but not limited to, markings that obscure a properly placed bank endorsement). Overdrafts and Returns If there is not enough money in your account to cover a transaction presented to Night Depository us, we may, in our sole discretion, either pay it and cause an overdraft or return it We provide automated teller machines (ATMs) where you can make deposits, (bounce a check, for example). In either case, we may charge you a fee as explained payments, withdrawals or other transactions either during or after business hours under “Fees for Overdrafts and Returns” below. You have no right to overdraw your for our banking offices. We strongly advise you to use our ATMs, and not our night account, and no course of dealing, usage of trade, or bank policy or procedure depository facility, to make deposits or payments after hours. The night depository establishes a right for you to overdraw your account. facility is intended for commercial customers with large after-hours deposits and is You can avoid having insufficient funds in your account if you practice good account not designed to be used by consumer customers. management and maintain sufficient available funds in your account to cover all If you do use the night depository facility, you may only use it to make deposits or transactions to be paid or debited from your account. In figuring if you have sufficient payments. You must place the deposit or payment into a fully completed envelope, available funds, you need to take into consideration all of your transactions, including which we make available. If it is unclear to us what to do with the deposit or payment, those which may not yet have been presented to us for payment or settlement. we may credit it to any account you have with us. If we do not find your deposit or Examples of such transactions are checks, withdrawals, transfers, purchases, payment in the night depository, it shall be conclusively presumed that the deposit payments or other debits. Special rules may apply for certain pending transactions

14 15 (see “Special Rules for Pending Transactions” below). Transactions affecting your When the debit card purchase or ATM transaction is finally settled, it can cause your account are presented to us all during the business day. We do not completely know all account to overdraw if there are not enough funds in your account at the time of transactions that will be presented for any given business day until we finish processing settlement. This may cause an Overdraft Fee if you have opted in to debit overdraft after the end of that business day. Thus, during the business day, only you know all of coverage (see “Fees for Overdrafts and Returns” above). your transactions that may affect your account balance for that business day. Consider the following example: Assume you start the day with an account balance of If we allow an overdraft on your account, you must pay us immediately for the amount $50, then during the day you make a debit card purchase of $35 that we authorize of the overdraft and any fees we charge in connection with the overdraft. If we return as a pending transaction. Later that day a check for $30 you wrote a few days ago the item or entry, you must pay us any fees we charge in connection with returning is presented to us for payment. The pending debit card authorization reduces the it. By making or allowing deposits to your account, you agree that we may use such available funds in your account to $15, which is not enough to pay the $30 check. deposits to reduce or eliminate any overdraft balance in your account, including, but We may, depending on criteria we establish, and your opt-in/out preferences for debit not limited to, any fees in connection with any overdraft or return of any transaction. overdraft coverage, do one of the following: We will not be responsible for damages or wrongful dishonor if any transaction is • Return the check, but not charge you a Return Fee, since there would have been returned or otherwise not paid because your account does not have enough funds. enough in your account to pay the check, except for the $35 pending debit card authorization. (If the check had been for $55—more than your account balance— Fees for Overdrafts and Returns and we returned it, we would charge you a Return Fee.) If we return the $30 We charge fees for paying overdraft transactions or for returning them. However, check, assuming there are no other transactions, your account balance on the next we will not charge any fees resulting from paying overdrafts for ATM and one-time business day (without considering the $35 pending debit card authorization) will (everyday) debit card transactions if you have previously opted out of debit overdraft still be $50. If the $35 debit card purchase is presented to us for final settlement service (see the separate form “What You Need to Know about Overdrafts and on that next business day, it would reduce your account balance to $15, and your Overdraft Fees”). account would not be overdrawn. In most cases, if we authorize an ATM or one-time (everyday) debit card transaction, • Pay the check and not charge you an Overdraft Fee, since there would have been we are required by card network rules to pay it when it settles, even if that causes enough in your account to pay the check, except for the $35 pending debit card your account to overdraw. If you have opted in to debit overdraft service, we may authorization. (If the check had been for $55—more than your account balance— charge you an Overdraft Fee if that happens. If you have opted out of debit overdraft and we paid it, we would charge you an Overdraft Fee.) If we pay the $30 check, service, we must still pay the item into overdraft if card network rules require us to assuming there are no other transactions, your account balance on the next do so, but we cannot charge you an Overdraft Fee. However, if you do not opt in business day (without considering the $35 pending debit card authorization) will to debit overdraft service, we will generally deny an authorization request if at the be $20. If the $35 debit card purchase is presented to us for final settlement on time of authorization the authorization amount would overdraw your account. We that next business day, generally we are required to pay it under debit card network determine the amount of the fee for overdraft or returned transactions on any given rules. However, that will cause your account to overdraw ($20 minus $35) and your day based on the total number of occurrences during the 1-year period ending and account balance will be negative $15. In that case, we will charge an Overdraft Fee, including that day. The amount we charge for overdraft fees and return fees is shown unless you have previously opted out of debit overdraft service. on our Personal Account Charges Form. An “occurrence” means a day for which there is at least one transaction in your account to cover when your account does Posting Order not have enough funds, whether we pay or return the transaction and whether or not Posting order is a very complex process, involving many hundreds of types of we charge a fee. We also charge an extended overdraft fee if your account remains transactions. Generally, however, on any given business day, we post deposits and overdrawn for an extended period. See our Personal Account Charges Form for the credits first, followed by various categories of withdrawals, payments, transfers and amount of this fee. other debits, with fees and interest (if any) posted at the end. Within the various categories of debits: Special Rules for Pending Transaction • We post certain electronic transactions that have a valid date/time stamp Certain transactions, such as debit card purchases and ATM transactions, have a authorization in chronological order, such as most debit card purchases and ATM two-step process that can affect availability of funds in your account to pay other withdrawals and transfers. items. These transactions usually first have an electronic authorization request, which • We post most checks in check number order, with exceptions for certain checks is followed on the same day or in the next few days by an electronic request for that we are not able to return. settlement. • We post other items, entries and transactions in low-to-high order based on amount The amount of the authorization request may not be available to cover other within their specific categories. transactions pending final settlement. This can cause other transactions to be returned unpaid or to overdraw your account. However, we will not charge an If there are not enough available funds in your account to cover all transactions to be Overdraft Fee or a Return Fee if there would have been enough available funds in paid or debited from your account on a given day, the posting order we establish will your account but for the pending authorization request. However, if we return other determine which ones we are able to pay or debit from available funds. The posting transactions unpaid, that may have other adverse consequences for you, such as fees order can affect which transactions overdraw your account or are returned/denied, as charged by the payee of the returned transaction. well as the amount of related Overdraft Fees and Return Fees we charge you. 16 17 Our Liability Account Ownership Except as otherwise provided for electronic fund transfers by applicable law or by The ownership of your account and the manner in which your account is held are other agreements applicable to your account, you agree that: established by the signature card or, if we no longer use a signature card, such other • If we do not properly complete a transaction according to these Rules and document or record that we use to identify ownership (referred to in these Rules and Regulations, we will not be liable for losses or damages in excess of the amount of Regulations as the “signature card”). If the signature card for your account is lost or the transaction. unavailable or ownership cannot be determined from the signature card, we will use other evidence available in our records, as we determine, to identify ownership and • We will not be liable if circumstances beyond our control prevent the transaction or the manner in which your account is held. if the funds in your account are or may be subject to legal process or other claim. • We will not be liable for any consequential damages. Joint Accounts You are responsible for the condition of a check or other item when you issue it. If a Two or more individuals may open a joint account. We may allow any of you to: check or item is returned or payment is delayed as a result of any writing or marking • Deposit to your account. that you or a prior indorser placed on the front or back of the check or item, you will be responsible for any cost and liabilities in connection with such return or delay. • Pledge the entire account or any portion of it to secure any of the obligations of any of you. Statements and Transaction History • Withdraw from or conduct business on your account for all or any part of the We will provide you with periodic statements showing the activity on your account. balance. Daily transaction activity may also be viewed online if you are an online banking • Transfer ownership of your account. customer, or through other mobile or digital methods we make available. It is your • Authorize someone else to conduct business on your account. duty to review your statements and transaction history promptly to determine and report to us whether there are unauthorized transactions, fraudulent activity, forgeries, • Close your account. alterations, missing deposits, or any other errors (all such activity referred to as We do not have to consider the source of funds in your account when we allow you to do “errors”) with regard to your account. We are not required to return your cancelled any of these things. You agree that any withdrawal by any of you is presumed to be for checks or other items with your statements or otherwise. If we do return them, or the benefit of each of you. You also agree that, when permitted by law or by the terms of provide access to them online or otherwise, you should review those promptly for the item, each of you may endorse the other’s checks or other items for deposit. errors as well. If we believe there is a dispute between joint account owners or if we receive Except as otherwise provided for electronic fund transfers by applicable law or by inconsistent instructions from joint account owners, we may suspend or close the other agreements applicable to your account, if you fail to notify us of errors in the account, require a court order to act and/or require that all joint account owners agree manner specified below within 30 days after the date your statement is mailed or in writing to any transactions concerning the account. If one or more of the joint owners otherwise made available to you: becomes a ward of a guardianship, conservatorship or similar proceeding, we may • We will have no liability for such errors nor be required to reimburse you for them. require all remaining joint owners and the guardian/conservator to divide the money in the account and open a separate account for the ward. • We will have no liability for (i) any additional error or errors by the same wrongdoer or (ii) any loss that we could have avoided if you had promptly notified us. Joint Account Survivorship Rights Your notice of error must be provided by calling us at 800-480-2265 or writing to If your account is in two or more names, each of you agrees that it is a joint account us at The Huntington National Bank, Attention: Customer Service, P.O. Box 1558, with right of survivorship. If one of you dies, the balance in the account may be paid Columbus, Ohio 43272. to the survivor. If there is more than one survivor, the balance in the account may be Moreover, no legal proceeding or action for errors may be brought against us more paid to any of them. The survivors will still have rights of survivorship. We may make than one year after the statement showing such errors has been mailed or otherwise any payment referred to in this paragraph regardless of the source of the funds in made available to you. your account.

Where Your Account Is Maintained Liability of Joint Account Owners Although you may transact business on your account at any of our banking offices Any money deposited in a joint account by any of you is subject to being garnished in any state, you agree that your account is maintained at the banking office where or levied upon by the creditors of any of you, and is subject to our right of set-off, your account is opened. If you do not open your account through one of our banking regardless of who owned the money, or the manner in which such money was owned, offices, but do so remotely through the Internet or other mobile or electronic method, prior to being deposited to your account. This is true even if the one of you owing us our telephone banking facility or some other means, your account will be maintained or the other creditor money is different than the one of you who deposited the money. in Columbus, Ohio, unless we assign your account to a different banking office in This is also true even if the one of you owing us or the other creditor money was another area, region, or state. We may change where your account is maintained if we made a joint owner only for signing, convenience, or other purpose. We may use the determine that it is appropriate to do so.

18 19 money in your account to satisfy any garnishment, attachment, levy or similar process and against any and all loss, costs, damage or liability (including but not limited to against any one or more of you, regardless of the source of the funds in your account. reasonable attorneys’ fees) we may suffer or incur arising out of any action or claim by any beneficiary or other custodian with respect to the authority or actions taken by Formal Trust Accounts the custodian in handling or dealing with the account. A formal trust account is an account held by one or more trustees for the benefit We may allow this account to be opened in the name of a minor jointly with a person of one or more beneficiaries under a written trust agreement separate from your who is not a minor. In such case, the account is treated as a joint account as provided account. Upon our request, the trustee(s) must provide us with a complete copy of in these Rules and Regulations, except that the accountholder who is not a minor any trust agreement affecting your account, or such other document or certification is responsible for all transactions and other activity on the account by the minor. that applicable law permits us to rely on as a summary or description of the trust. The accountholder who is not a minor agrees to indemnify us and hold us harmless We act only as a custodian of the trust funds on deposit in your account. We are from and against any and all loss, costs, damage or liability (including but not limited under no obligation to act as a trustee or to inquire as to the powers or duties of the to reasonable attorneys’ fees) we may suffer or incur arising out of any claim with trustee(s). The trustee(s) and/or any person opening your account, in their individual respect to the authority of the minor to perform transaction or otherwise conduct capacity and jointly and severally, agree to indemnify us and hold us harmless from activity on the account. and against any and all loss, costs, damage or liability (including but not limited to We may also allow this account to be opened individually or jointly in the name of reasonable attorneys’ fees) we may suffer or incur arising out of any action or claim a minor or minors without also having an accountholder who is not a minor and by any beneficiary or other trustee with respect to the authority or actions taken by without a custodian for a minor beneficiary under the Minors Act if applicable law so the trustee(s) in handling or dealing with your account. permits and if it is our policy to do so. If we open such an account, you agree that you will be obligated under these Rules and Regulations, and under all of the Account Informal Trust Accounts Documents, to the full extent permitted by applicable law. You also agree that any We may allow your account to be held as an informal trust account. An informal trust transaction or activity you perform or conduct after you become of age and are no account (also known as a “Totten Trust”) is an account owned by a trustee and shown longer a minor is a ratification of all transactions and activity on the account by you or as a trust account on our records, but without a written trust agreement separate from any other accountholder during the time you were a minor. If there is more than one your account. The beneficiaries of an informal trust account have no right to any funds minor on this account, each minor on the account to come of age has the obligations in the account during the lifetime of the trustee. The trustee is the owner of the account set forth in the preceding paragraph with respect to any accountholder who is still a and may withdraw money from the account and may, by written direction to us, change minor. the beneficiary under the account. Upon the death of the trustee, the account is then owned by the named beneficiary or beneficiaries in our records. If there is no surviving Power of Attorney beneficiary, applicable state law will determine ownership of the funds in the account. If If you sign a power of attorney appointing an attorney or agent to conduct business the account is held by more than one trustee, the trustees are subject to the provisions for your account, you must do so on a form acceptable to us. Subject to applicable of these Rules and Regulations applicable to joint account ownership. law, we reserve the right to refuse to honor any power of attorney presented to us, as well as to refuse to recognize a successor attorney-in-fact at any time, whether or Accounts Payable on Death not the successor attorney-in-fact is specifically identified in the power of attorney. We may allow your account to be made payable on death (“POD”), if all of the In addition, subject to applicable law, we reserve the right to refuse to follow the account owners are natural persons and all of such persons sign the POD agreement instructions of an attorney-in-fact. The person you appoint will be subject to all of the on the signature card for this account. Any change of designated payees in the POD provisions of the Account Documents. If you have a joint account, we may require agreement must be signed by all account owners and delivered to us on a special each of you to consent to the appointment. Any person appointed as an attorney-in- form we will give you. While any of the account owners are living, no designated fact, whether or not designated as an authorized signer on the signature card for this payee has any rights with respect to your account. If any of the account owners account, is not an owner of this account. We may honor a power of attorney until we pledge the account to secure any obligations, that pledge shall take precedence over receive written notice from you that you have revoked the power of attorney and have the interest of any designated payee. had a reasonable time to act on such notice.

Accounts for Minors Verification of Authority and Identity We may allow you to establish the account as a custodian for a minor beneficiary We reserve the right, at the time of account opening and at all times thereafter, under the Uniform Transfer to Minors Act or the Uniform Gifts to Minors Act or to require such documents and authorizations as we may deem necessary or similar law applicable in your state (the “Minors Act”). If so, your rights and duties appropriate (i) to verify that the person(s) opening or owning the account, requesting are governed by the Minors Act. You are not permitted to pledge the account as or directing withdrawal of funds or the performance of other transactions or otherwise collateral for any loan to you. Deposits in the account are held by us for the exclusive taking action with respect to the account has the authority to do any of the foregoing right and benefit of the minor. The custodian and/or any person opening the account, and (ii) to establish the identity of any such person(s). in his or her individual capacity, agrees to indemnify us and hold us harmless from

20 21 No Special Access or Other Requirements Communications with You, Including to Cell Phones We are not required to honor any requests, instructions or directions from you or on In order for us to service your account or to collect any amounts you owe, you agree your behalf with respect to multiple signature or multiple authorization requirements and consent that we or a third party acting on our behalf may from time to time: for access to your account or for any other matters with respect to your account • Make telephone calls and/or send text messages to you at any telephone number(s) not specifically authorized by these Rules and Regulations (referred to as “special you give to us or that we otherwise have for you or your account, including wireless requirements”). We may allow any of the persons designated as authorized signers (cell phone) telephone numbers that could result in charges to you. on the signature card or other records we maintain for your account to sign checks or other items, to withdraw funds or otherwise to authorize transactions or other matters • Use any technology available at the time to make telephone calls and/or send text with respect to your account. We are not bound by any special requirements, whether messages to you, including but not limited to the use of rerecorded/artificial voice or not we know about them or whether or not you include them in signature cards, messages and/or an automatic telephone dialing system. resolutions, or other documents provided by or delivered to us in connection with your • Send e-mails or any other available form of electronic communication to you at any account. We have no duty to monitor your account for compliance with any special e-mail or other electronic address you give to us or that we otherwise have for you or requirements. We have no liability for not complying with any special requirements. your account. • Monitor and record any telephone call or other communication between you and us. Unclaimed Funds and Dormant Accounts Under applicable state law, the money in your account will be considered abandoned Adverse Claims and payable to the state of the last address we have for you in our records if a Upon receipt of oral or written notice from any person or entity of a claim regarding specified period of time has passed and you do not: your account, we may place a hold on your account and shall be relieved of any and • Make a deposit or withdrawal; or all liability for failure or refusal to honor any item drawn on your account or any other • Inquire about or take any other action in connection with your account. payment, withdrawal or transfer instruction. We have no obligation to determine the merits of any claim in connection with placing or keeping the hold on your account. In addition, if you do not initiate activity in your account for a substantial period of time, we will treat your account as being dormant. In that event, you agree that, unless prohibited by applicable law, we may charge dormant account fees on your account in Fraud addition to other charges. In addition, we may stop sending you periodic statements or If we suspect fraud on your account or have reasonable cause to doubt collectability providing you other information on your account. of any deposit, we may place a hold on your account and refuse to accept deposits of any kind to the extent not prohibited by law. We will not be liable for the dishonor of Transferring Ownership any check or other item, entry or transaction resulting from such hold. Your account cannot be transferred or assigned without our consent. If we consent, you must provide us with all information we request and sign any forms we give you Stop Payment Order or that we approve. If there are two or more of you, we may require all of you to sign. You can stop payment of a check or similar paper item by calling us and following our We must approve any pledge of this account and any pledge remains subject to any procedures. We are not responsible for stopping payment of any item if we have not rights we have under these Rules and Regulations and applicable law, including but had a reasonable time to act on your stop payment order. Also, you must indemnify not limited to our right of set-off. We may require the account to be closed and a new us and hold us harmless from any liability or loss (including reasonable attorneys’ account to be opened in the name of the transferee or pledge. fees) we have because we complied with your order. If there is more than one account owner, any one of you may place a stop payment If You Owe Us Money order. A stop payment order is effective for six months, but will lapse after 14 days if If any of you owe us money which is due, whether jointly with another or individually, the original order was oral and was not confirmed in writing within that 14-day period. you agree that, unless prohibited by applicable law, we may use the money in your Our acceptance of a stop payment order will not constitute a representation that the account to pay the debt, regardless of the source of the funds in your account. This item has not already been paid or that we have a reasonable opportunity to act upon is our right of set-off. We will not be liable for the dishonor of any check or other item, the order. You may not stop payment on a money order or check (such as an official, entry or transaction when the dishonor occurs because we set-off a debt against your certified, cashier’s or teller’s check) issued by us, or request us to stop payment if account. You agree to indemnify us and hold us harmless from any claim (including we have otherwise become accountable for the item. In addition, you may not stop reasonable attorneys’ fees) arising as a result of our exercise of our right of set-off. payment on checks governed by separate agreement, such as a check guaranty If your account is a joint account, each of you also agrees that you are responsible agreement. Further, you may not stop payment on an item after acceptance of the to pay any overdraft created on your account by any of you or as a result of fees or item by us. charges posting to your account. Alert and Text Services You may choose to enroll in our mobile text messaging and alert services (collectively, “Text Services”). By receiving or otherwise using Text Services, you agree to the

22 23 following terms. You agree that we may send messages through your communication • In connection with audits or any sale or transfer of your account or a Huntington service provider in order to deliver them to you and that your communication services company or division. provider is acting as your agent in this capacity. We may use a telephone number, • For fraud, security or risk control. e-mail address or other delivery location we have in our records for you or other such • To help complete a transaction you initiate, including information requested to verify contact information as you may provide to us for the Text Services so that we may the existence or condition of your account. send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, • To resolve disputes or inquiries you may have about your account. losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from • With your consent or at your direction, which may be oral, in writing, by telephone, your provision of a phone number, e-mail address, or other delivery location that is electronic or other means we recognize. not your own or your violation of applicable federal, state or local law, regulation or • When disclosure is required by law, such as pursuant to court order, subpoena, ordinance. Your obligation under this paragraph shall survive after your applicable legal process or government agency examination or investigation, or to protect or account is closed. enforce our rights. The Text Services are provided for your convenience and do not replace your monthly • To companies that perform services for us in connection with your account, such as account statement(s), which are the official record of your accounts. You understand data processing and software companies and collection agencies. 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 • As otherwise necessary to service your account, or as permitted or required by law. your account. For a portion of the Text Services, information may be delivered to • In response to a request from any Huntington company. voicemail or answering machines if nobody answers the telephone. Messages may be See our separate “Customer Information Privacy Notice” for more information about delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone how we use customer information and your choices. carriers, or other parties. We will not be liable 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 Subaccounts through the Text Services. Your checking account consists of two subaccounts: subaccount A and subaccount The Text Services are only available to customers who have an eligible account B. Subaccount A is a negotiable order of withdrawal deposit account, unless you with us. While you must have an eligible account to use the Text Service, once it is have the type of checking account that is a demand deposit account (see “Demand activated, if you have other types of accounts with us, you may have access to those Deposit Accounts” section below), in which case, subaccount A is a demand deposit other accounts as well. account. Subaccount B is a savings deposit account. Except as provided in this “Subaccounts” section, all of the provisions of the Account Documents apply to the You are responsible for any and all charges, including, but not limited to, fees account taken as a whole without reference to the subaccounts. If interest is paid on associated with text messaging imposed by your communications service provider or your account, the applicable interest rate for the type of account you have will apply others. Message and data rates may apply. Such charges include those from your to both subaccounts. communications service provider. Message frequency depends on user preferences. From time to time we will review the activity in your account to determine the amount To cancel the Text Services, send STOP to 446622 at any time. In response to your in your account not needed to pay checks, debits, or other items or transactions STOP message, you agree and consent that we or a third party acting on our behalf (the “Reserved Balance”). We will credit funds in your account up to the Reserved may send you a text message confirming that you have elected to cancel Balance amount to subaccount B, and funds in excess of the Reserved Balance Text Services. For help or information on the Text Services, send HELP to 446622. amount to subaccount A. All checks, debits, and other items paid, withdrawn For additional assistance with the Text Services, contact customer service at or transferred from your account will be paid, withdrawn or transferred from the 1-800-480-BANK. balances credited to subaccount A. All deposits and credits to your account will be credited to subaccount A. We may from time to time reallocate the balances by Notices internal transfers between the subaccounts as we deem necessary or appropriate Except as otherwise provided in these Rules and Regulations, all notices required to to maintain the Reserved Balance in subaccount B or to make funds available in be sent to you will be effective when we mail or deliver them to the last address that subaccount A for checks, debits and other items paid, withdrawn or transferred from we have for you in our records or when we make such notices available to you through your account. These internal transfers will be the only transactions on subaccount B. our Internet banking services or at the last known e-mail address that we have for However, in accordance with Regulation D of the Board of Governors of the Federal you in our records. If your account is joint, notice to any of you is effective for all of Reserve System, we will not allow more than six transfers per monthly statement you. You agree that we may send or provide by electronic communication any notice, period from subaccount B to subaccount A, and if a sixth such transfer is made in communication, or disclosure required to be provided orally or in writing to you. a monthly statement period, all funds in subaccount B will be credited in that sixth transfer to subaccount A for the remainder of the monthly statement period. Disclosures of Information to Others Although transfers from subaccount B will normally be made automatically, as We may disclose information about your account with us as follows: required by federal regulations we reserve the right to require seven days’ prior notice of any transfer from subaccount B to subaccount A. • To consumer reporting agencies.

24 25 Our Other Rights Governing Law No course of dealing and no delay or omission on our part in exercising any of our The Account Documents, your account, and the services we provide in connection rights are a waiver by us of such rights or any other right. All of our rights under with your account are governed by federal laws and regulations of the United States the Account Documents are cumulative and not exclusive and may be exercised of America. In addition, with respect to fees and charges on your account that are concurrently or successively. “interest” under federal law (if any), the law of the state of Ohio shall be applicable in We may pursue collection of any negative balance on your account in court or determining the amount of interest permitted under federal law with respect to such otherwise or transfer that right to others. If we take legal action to collect any overdraft fees and charges. For all other aspects of your account, and to the extent federal laws balance or other amounts you owe us in connection with your account, you agree to and regulations are not applicable (and only to that extent), the Account Documents, pay our reasonable attorneys’ fees and costs and expenses of collection, including but your account and the services provided pursuant thereto shall be governed by the law not limited to those incurred at trial and on any appeal. We have the right to report the of the state where your account is maintained as determined above under “Where status and use of your account to consumer reporting agencies. Your Account is Maintained”. In addition, we are subject to various laws, regulations and rules of government Closing Your Account agencies, local clearinghouses, card associations, automated teller machine networks and other similar entities or organizations. You agree to be bound by any actions we We may close your account at any time with or without cause and with or without take with respect to your account in accordance with such laws, regulations and notice to you. We will return the balance in your account, less any fees or service rules. To the extent there is any inconsistency between the terms of the Account charges, claims, set-offs or other amounts you owe us. After your account is closed, Documents and any applicable law, regulation or rule, the terms of the Account we have no obligation to accept deposits, pay any outstanding checks or honor any Documents will control to the extent any such law, regulation or rule may be modified other withdrawal or transfer. You agree that we shall be relieved of any and all liability by agreement. for refusing to honor any check or other item or entry drawn on a closed account. Your obligations in the Account Documents to indemnify us survive the closing of your If any of the provisions of the Account Documents cannot be legally enforced, they account. will be considered changed to the extent necessary to comply with applicable law.

Change in Terms Demand Deposit Accounts From time to time we may change the provisions of the Account Documents. We The following types of currently offered checking accounts covered by these Rules will comply with any notice requirements under applicable law. If applicable law and Regulations are demand deposit accounts: does not specify any notice requirements for the change, we will decide what kind of • Huntington Estate Checking notice (if any) we will give you and the method of providing any such notice. We are not required to notify you of any changes in the applicable interest rate(s) or annual percentage yield(s). FOR CHECKING ACCOUNTS THAT PAY INTEREST: If your account pays interest, the following additional provisions apply to your account: Electronic Documents: Document Retention You agree that any documents we provide or are required to provide to you in writing Rate Information in connection with your account, including but not limited to the Account Documents, The current interest rate(s) and annual percentage yield(s) we pay on your account, statements, notices and any other documents, may be provided to you electronically and minimum balances to earn each rate, are shown on the current rate sheet which and you consent to receive any such documents in electronic form. we are providing to you at the same time as these Rules and Regulations. If your We may, in the ordinary course of business, destroy the original and/or copies of the account does not pay interest, we will not provide you with a rate sheet. signature card or any other Account Documents in connection with your account after We compute interest at a daily periodic rate of 1/365th (1/366th in a leap year) of the we make a record, copy, photograph, image or representation of it by electronic or applicable annual rate for each day. other means for purposes of reducing paperwork storage requirements or for other business reasons. You agree that such destruction does not alter the intent of the The interest rate or rates and annual percentage yield may change at any time at our parties to continue to be bound by the signature card and other Account Documents. discretion without notice to you. You also agree that the electronic or other record we maintain shall be treated the Interest will be compounded and paid on a monthly basis. Interest will be paid by same as any original document. adding it to your account (less any amount required to be withheld). You agree not to take any action or otherwise challenge or question the validity, enforceability or accuracy of the signature card or any Account Documents merely Balance Computation Method because any of such documents was provided in electronic form or because the We use the daily balance method to calculate the interest on your account. This original was destroyed in connection with our document retention practices. method applies a daily periodic rate to the principal balance in your account at the end of each day, less the amount of any items for which we have not begun to accrue interest as described below, to determine the interest earned for that day. We then

26 27 add together the interest earned for each day in the statement period to determine • No Huntington charge for Mobile Banking, but your carrier’s message and data the amount of interest to pay you for that statement period. rates may apply. • No Huntington charge for Secure Text Banking, but your carrier’s message and When Interest Begins to Accrue on Non-Cash Deposits data rates may apply. Interest begins to accrue no later than the business day we are deemed to receive • Huntington MasterCard® Debit Card provided at no charge. credit for the deposit of non-cash items (for example, checks). However, we are not • Unlimited check writing. required to pay interest on items that are returned for insufficient funds or for another reason, even if we have begun to accrue interest on that item. We may debit your • Free Identity Theft Resolution Services. account for interest that we have previously paid on such returned items. Includes identity theft resolution assistance, identity theft resolution toolkit and online identity theft resource center. Call 800.480.BANK (2265) to obtain information about these services. Minimum Balance to Earn Interest The principal balance you must have in your account at the end of the day to qualify Other Companion Services Included with Your Account to earn any interest for that day is stated in the Personal Account Charges Form • Savings Account currently applicable for the type of account you have. If you qualify, we compute Waiver of savings account minimum balance fee. You will be responsible for any interest for that day using the current interest rate for which your principal balance at fees for ATM transactions charged by the owner of a non-Huntington ATM or other the end of the day qualifies you. terminal, and such fees may be included as part of the withdrawal amount. FORM: RRCHECKING (REV. 07/14) Overdrafts An overdraft occurs when you do not have enough money in your account to cover a IV. PERSONAL ACCOUNT CHARGES FORM FOR PERSONAL transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, but CHECKING ACCOUNTS we are not required to do so and we may return the item or entry instead. However, we will not charge any fees resulting from paying overdrafts for ATM and one-time Huntington Asterisk-Free Checking® Account (everyday) debit card transactions if you have not asked us to authorize and pay these transactions. Effective July 28, 2014 This document contains our schedule of personal account charges for the Asterisk- Overdraft Fee and Return Fee Free Checking Account, which is a consumer deposit account. Other consumer We determine the amount of the fee for overdraft or returned items or entries on any deposit accounts have a separate schedule of personal account charges. given day based on the total number of occurrences during the 1-year period ending This document is part of the Disclosure of Account Terms and Rules and Regulations and including that day: for the Asterisk-Free Checking Account that you are opening or for which you have OCCURRENCES OVERDRAFT FEE RETURN FEE requested information. Additional disclosures are provided on other documents given 1 $23 per item $23 per item to you at the same time as this document. From time to time we may offer programs under which we may waive some of the 2+ $37.50 per item $37.50 per item fees described in this document, other than as contained in this document. Occurrences: An “occurrence” means a day for which there is at least one item As used in this document, “ATM” means automated teller machine. or entry in your account to cover, whether we pay or return the item or entry and ______whether or not we charge a fee. Overdraft Fee: For paying each item or entry that overdraws your account. Examples No monthly checking maintenance fee or minimum balance requirement. are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATM withdrawal or other electronic means. There is a limit of 4 overdraft fees per day and NO COST OR DISCOUNTED SERVICES we will not charge the fee unless your account is overdrawn by $5 or more. Return Fee: For returning (and not paying) each item or entry when there are not Features of Checking Account: enough funds in the account. Examples are returns of checks, drafts or transfers or • No fee on Huntington ATM withdrawals, transfers and mini-statements. withdrawals by electronic means. There is a limit of 4 return fees per day. • No $10 daily transfer fee if you choose the Deposit-to-Deposit Overdraft Protection Plan. ATM & Debit Card Transactions • Free Online Banking and Bill Pay. We won’t authorize ATM withdrawals or debit card purchases when you don’t have enough available money in your account unless you opt in to debit overdraft service. Learn more at huntington.com/disclosures/regeoddisclosure.pdf.

28 29 Also, these types of transactions may cause a pending authorization until the Personal Credit Line Overdraft Protection transfer fee does not apply to Overdraft transaction is finally settled later that day or in the next few days. See your account Protection Lines of Credit originated by Sky Bank. Rules and Regulations under “Special Rules for Pending Transactions”. The amount • Each Credit Card Overdraft Protection Transfer ...... $0 of the pending authorization may not be available to pay other items. This may cause checks or other items to overdraw your account or to be returned unpaid. However, • Checking Reserve Account monthly participation fee we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a (charged to your Checking Reserve Account)...... $12 pending authorization. See the Agreement and Disclosure of Account Terms and Rules and Regulations for When ATM and debit card transactions settle for payment, they may cause an Consumer Checking Accounts for a description of available overdraft protection plans. overdraft if there is not enough available money in your account at that time. In that case, we will charge an Overdraft Fee unless you have opted out of debit overdraft Fees for Other Checking Account and Miscellaneous Services service. • Each Huntington ATM extended statement...... $2 • Each non-Huntington ATM transaction...... $2 Extended Overdraft Fee You will be responsible for any additional fees for ATM transactions charged by the If your account is overdrawn 5 or more consecutive days, we will charge an extended owner of a non-Huntington ATM, and such fees may be included as part of the overdraft fee of $25. For each subsequent week your account is continuously withdrawal amount. overdrawn, we will charge $25 per week. There is a maximum of four $25 fees during • For international debit card and ATM transactions each continuous overdraft period. No fee if balance is overdrawn by less than $10. (whether or not you use your PIN) and international ATM transactions . . . . 3% of the amount posted to your account 24-Hour Grace® If you use your card or card number for an international transaction, the transaction For any business day that your account is overdrawn at the end of the day and one or may be in a currency other than U.S. Dollars. We will post an international more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account transaction to your account in U.S. Dollars based on the applicable currency is not overdrawn by more than $4.99 at the end of the next business day. A “business exchange rate on the day we settle the transaction. The day we settle the day” does not include Saturdays, Sundays or federal holidays even if one or more transaction may be a different day than the day you used your card or card number. of our branches are open on those days. For example, we will waive Overdraft Fees Also, networks through which an international transaction occurs may charge fees incurred on Friday if your account is not overdrawn by more than $4.99 at the end of that are added to the transaction amount. As a result, the amount posted to your the business day on the following Monday. account may be a different amount than the original amount of the transaction. Any deposit or transfer to cure the overdraft must be made prior to midnight at the The transaction is an international transaction if the network that presents the end of that next business day. In figuring the amount needed to cure the overdraft, transaction to us processes it as occurring outside of the United States or its remember to take into consideration other transactions that may be posted to territories, possessions or facilities (such as a U.S. military base, U.S. embassy or your account that will affect the amount needed to cure. Examples of such other U.S. consulate). The transaction is also an international transaction regardless of transactions are checks, withdrawals, transfers, purchases, payments or other debits. location if the transaction was in a currency other than U.S. Dollars. We do not become aware of these other transactions until they are presented to us • Check Image Statement Fee (multiple front images per page)...... $2 for payment or settlement. Transactions affecting your account are presented to us all during the next business day on which you need to cure. We do not completely • Returned Deposit Item Fee...... $10 know all transactions that will be presented for that next business day until we finish • Stop Payment ...... $31 processing after the end of that next business day. Thus, during the time you have to • Dormant Account Fee (per month)...... $5 cure on the next business day, only you know all of your transactions that may affect Applies when there is no customer-initiated transaction for 24 months for personal the amount needed to cure. money market and savings accounts or 6 months for personal checking accounts. 24-Hour Grace does not apply to Extended Overdraft Fees or Return Fees, nor does it Exceptions to the fee: minor accounts or accounts with a minimum balance of affect the number of overdraft occurrences for purposes of determining the amount of $1,000. Not applicable for accounts opened in Indiana and Florida. an Overdraft Fee. • Monthly Hold Mail Fee...... $5 Please visit huntington.com/grace for further details about this service. • Early Account Closing Fee (within 180 days of opening)...... $25 Overdraft Protection Plan Fees • Money Order charge • Each Deposit to Deposit Overdraft Protection Transfer...... $0 – Huntington customers...... $5 Personal checking account linked to a qualified, personal savings or money market – Non-Huntington customers...... $6 account. • Cashier’s Check charge • Each Personal Credit Line Overdraft Protection Transfer...... $0 – Huntington customers...... $6 – Non-Huntington customers...... $15

30 31 • Traveler’s Cheques charge for individuals • No check printing charge for the following Huntington design checks: Huntington – Huntington customers...... 2% of face value Exclusive, Ohio State Buckeyes, Columbus Blue Jackets, and Indianapolis Colts. All – Non-Huntington customers...... 3% of face value other styles are at current vendor price and are not discounted. • Free Online Banking and Bill Pay. • Traveler’s Cheque for Two charge – Huntington customers...... 2.5% of face value • No Huntington charge for Mobile Banking, but your carrier’s message & data rates may apply. – Non-Huntington customers...... 3% of face value • No Huntington charge for Secure Text Banking, but your carrier’s message & data • Fee for Wire Transfer rates may apply. – Domestic Outgoing ...... $25 • Huntington MasterCard® Debit Card provided at no charge. – Domestic Incoming...... $15 • Unlimited check writing. – Foreign/International Outgoing...... $75 • Free Identity Theft Resolution Services – Includes identity theft resolution – Foreign/International Incoming ...... $15 assistance, identity theft resolution toolkit, and on-line identity theft resource center. Call 800.480.BANK (2265) to obtain information about these services. FORM: RRASTERISKFREECHKRPAC (07/14) Other Companion Services Included with Your Account: Huntington Plus Checking® Account • Money Market and Savings Accounts This document contains our schedule of personal account charges for the Huntington Waiver of money market and savings account minimum balance fee and monthly Plus Checking Account, which is a consumer deposit account. Other consumer maintenance fee. deposit accounts have a separate schedule of personal account charges. • Annual fee waived for Small Safe Deposit Box – Limit one and subject to branch This document is part of the Disclosure of Account Terms and Rules and Regulations availability. for the Huntington Plus Checking Account which you are opening or for which you • No Huntington charge for Traveler’s Cheques, Money Orders, Cashier Checks and/ have requested information. Additional disclosures are provided on other documents or Notary Service, but Huntington charges for Traveler’s Cheques for Two. given to you at the same time as this document. From time to time we may offer programs under which we may waive some of the fees described in this document, other than as contained in this document. OVERDRAFTS As used in this document, “ATM” means automated teller machine. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, but ______we are not required to do so and we may return the item or entry instead. However, we will not charge any fees resulting from paying overdrafts for ATM and one-time $15 monthly checking maintenance fee. This fee is waived for each monthly (everyday) debit card transactions if you have not asked us to authorize and pay statement period that your Total Relationship Balance is at least $15,000. See the these transactions. “Total Relationship Balance” section of this Personal Account Charges Form for a description of how this balance is calculated. Overdraft Fee and Return Fee Minimum balance to earn interest...... $0.01 See the corresponding rate sheet applicable to Huntington Plus Checking Account. We determine the amount of the fee for overdraft or returned items or entries on any given day based on the total number of occurrences during the 1-year period ending and including that day: NO COST OR DISCOUNTED SERVICES OCCURRENCES OVERDRAFT FEE RETURN FEE Features of Checking Account: 1 $23 per item $23 per item • Waiver of up to the first 5 non-Huntington ATM Cash Withdrawal fees assessed 2+ $37.50 per item $37.50 per item by Huntington during the statement period. Huntington will also reimburse you for fees on the same transactions charged by the owner of a non-Huntington ATM or Occurrences: An “occurrence” means a day for which there is at least one item other terminal. You will be responsible for any additional fees for ATM transactions or entry in your account to cover, whether we pay or return the item or entry and charged by the owner of a non-Huntington ATM, and such fees may be included as whether or not we charge a fee. part of the withdrawal amount. Overdraft Fee: For paying each item or entry that overdraws your account. Examples • No fee on Huntington ATM withdrawals, transfers and mini-statements. are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATM withdrawal or other electronic means. There is a limit of 4 overdraft fees per day and we will not charge the fee unless your account is overdrawn by $5 or more.

32 33 Return Fee: For returning (and not paying) each item or entry when there are not 24-Hour Grace® does not apply to Extended Overdraft Fees or Return Fees, nor does enough funds in the account. Examples are returns of checks, drafts or transfers or it affect the number of overdraft occurrences for purposes of determining the amount withdrawals by electronic means. There is a limit of 4 return fees per day. of an Overdraft Fee. Please visit huntington.com/grace for further details about this service. ATM & Debit Card Transactions We won’t authorize ATM withdrawals or debit card purchases when you don’t have OVERDRAFT PROTECTION PLAN FEES enough available money in your account unless you opt in to debit overdraft service. Learn more at huntington.com/disclosures/regeoddisclosure.pdf. Overdraft Protection Transfer Plans Also, these types of transactions may cause a pending authorization until the transaction is finally settled later that day or in the next few days. See your account • Each Deposit to Deposit Overdraft Protection Transfer...... $0 Rules and Regulations under “Special Rules for Pending Transactions”. The amount Personal checking account linked to a qualified, personal savings or money market of the pending authorization may not be available to pay other items. This may cause account. checks or other items to overdraw your account or to be returned unpaid. However, • Each Personal Credit Line Overdraft Protection Transfer...... $0 we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a Personal Credit Line Overdraft Protection transfer fee does not apply to Overdraft pending authorization. Protection Lines of Credit originated by Sky Bank. When ATM and debit card transactions settle for payment, they may cause an • Each Credit Card Overdraft Protection Transfer...... $0 overdraft if there is not enough available money in your account at that time. In that case, we will charge an Overdraft Fee unless you have opted out of debit overdraft Checking Reserve Account service. Checking Reserve Account monthly participation fee (charged to your Checking Reserve Account) ...... $12 Extended Overdraft Fee See the Agreement and Disclosure of Account Terms and Rules and Regulations for If your account is overdrawn 5 or more consecutive days, we will charge an extended Consumer Checking Accounts for a description of available overdraft protection plans. overdraft fee of $25. For each subsequent week your account is continuously overdrawn, we will charge $25 per week. There is a maximum of four $25 fees during each continuous overdraft period. No fee if balance is overdrawn by less than $10. Fees for Other Checking Account and Miscellaneous Services • Each Huntington ATM extended statement...... $2 24-Hour Grace® • Each non-Huntington ATM transaction For any business day that your account is overdrawn at the end of the day and one or (waiver of up to the first 5non-Huntington ATM Cash Withdrawal fees assessed by more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account Huntington during the statement period. Huntington will reimburse you for fees on is not overdrawn by more than $4.99 at the end of the next business day. A “business the same transactions that are charged by the owner of a non-Huntington ATM or day” does not include Saturdays, Sundays or federal holidays even if one or more other terminal)...... $2 of our branches are open on those days. For example, we will waive Overdraft Fees You will be responsible for any additional fees for ATM transactions charged by the incurred on Friday if your account is not overdrawn by more than $4.99 at the end of owner of a non-Huntington ATM, and such fees may be included as part of the the business day on the following Monday. withdrawal amount. Any deposit or transfer to cure the overdraft must be made prior to midnight at the • For international debit card and ATM transactions end of that next business day. In figuring the amount needed to cure the overdraft, (whether or not you use your PIN) . . . .3% of the amount posted to your account remember to take into consideration other transactions that may be posted to If you use your card or card number for an international transaction, the transaction your account that will affect the amount needed to cure. Examples of such other may be in a currency other than U.S. Dollars. We will post an international transactions are checks, withdrawals, transfers, purchases, payments or other debits. transaction to your account in U.S. Dollars based on the applicable currency We do not become aware of these other transactions until they are presented to us exchange rate on the day we settle the transaction. The day we settle the for payment or settlement. Transactions affecting your account are presented to us transaction may be a different day than the day you used your card or card number. all during the next business day on which you need to cure. We do not completely Also, networks through which an international transaction occurs may charge fees know all transactions that will be presented for that next business day until we finish that are added to the transaction amount. As a result, the amount posted to your processing after the end of that next business day. Thus, during the time you have to account may be a different amount than the original amount of the transaction. cure on the next business day, only you know all of your transactions that may affect the amount needed to cure. The transaction is an international transaction if the network that presents the transaction to us processes it as occurring outside of the United States or its territories, possessions or facilities (such as a U.S. military base, U.S. embassy or U.S. consulate). The transaction is also an international transaction, regardless of location, if the transaction was in a currency other than U.S. Dollars.

34 35 • Check Image Statement Fee (multiple front images per page)...... $2 Investment and insurance products and services are offered through The Huntington • Returned Deposit Item Fee...... $10 Investment Company, Registered Investment Advisor, Member FINRA/SIPC and a • Stop Payment ...... $31 wholly-owned subsidiary of Huntington Bancshares Incorporated. • Dormant Account Fee (per month)...... $5 Applies when there is no customer-initiated transaction for 24 months for personal Investment and insurance products are: money market and savings accounts or 6 months for personal checking accounts. NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • Exceptions to the fee: minor accounts or accounts with a minimum balance of NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE $1,000. Not applicable for accounts opened in Indiana and Florida. • Monthly Hold Mail Fee...... $5 FORM: RRPLUSCHKRPAC (07/14) • Early Account Closing Fee (within 180 days of opening)...... $25 Employee Plus Account • Money Order charge Effective July 28, 2014 – Non-Huntington customers...... $6 This document contains our schedule of personal account charges for the Employee • Cashier’s Check charge Plus Checking Account, which is a consumer deposit account. Other consumer – Non-Huntington customers...... $15 deposit accounts have a separate schedule of personal account charges. • Traveler’s Cheque charge for individuals This document is part of the Disclosure of Account Terms and Rules and Regulations – Non-Huntington customers...... 3% of face value for the Employee Plus Checking Account that you are opening or for which you have requested information. Additional disclosures are provided on other documents given • Traveler’s Cheque for Two charge to you at the same time as this document. – Huntington customers...... 2.5% of face value From time to time we may offer programs under which we may waive some of the – Non-Huntington customers...... 3% of face value fees described in this document, other than as contained in this document. • Fee for Wire Transfer As used in this document, “ATM” means automated teller machine. – Domestic Outgoing ...... $25 ______– Domestic Incoming ...... $15 No monthly checking maintenance fee. – Foreign/International Outgoing...... $75 Minimum balance to earn interest:...... $0.01 – Foreign/International Incoming ...... $15 See the corresponding rate sheet applicable to the Employee Plus Checking Account. Total Relationship Balance You can avoid the monthly checking maintenance fee for any statement period on NO COST OR DISCOUNTED SERVICES this checking account when you keep a total relationship balance of at least $15,000 Features of Checking Account: in a combination of deposits held directly with us in investments made through our affiliate, The Huntington Investment Company. Eligible deposits are this checking • Waiver of up to the first 5 non-Huntington ATM Cash Withdrawal fees assessed account and your personal money market, savings, certificate of deposit (CD), and by Huntington during the statement period. Huntington will also reimburse you for individual retirement (IRA) accounts. Eligible investments are those in your name fees on the same transactions charged by the owner of a non-Huntington ATM or which The Huntington Investment Company reports to our deposit system for other terminal. You will be responsible for any additional fees for ATM transactions inclusion in the total relationship balance, and generally include investments (both charged by the owner of a non-Huntington ATM, and such fees may be included as IRA and non-IRA) held in brokerage accounts and certain direct investments in part of the withdrawal amount. mutual funds and annuities, as well as retail life insurance products. You must ask • No fee on Huntington ATM withdrawals, transfers and mini-statements us to link eligible accounts for them to be included in the total relationship balance. • No check printing charge for the following Huntington design checks: Huntington Eligible accounts you have linked to other checking accounts cannot be linked to this Exclusive, Ohio State Buckeyes, Columbus Blue Jackets, and Indianapolis Colts. All checking account. We figure the total relationship balance each month by adding the other styles are at current vendor price and are not discounted. qualifying balances, as we determine them, for all of your eligible linked accounts to the average daily balance of this checking account for the monthly statement period. • Free Online Banking and Bill Pay • No Huntington charge for Mobile Banking, but your carrier’s message & data rates may apply • No Huntington charge for Secure Text Banking, but your carrier’s message & data rates may apply

36 37 ® • Huntington MasterCard Debit Card provided at no charge ATM & Debit Card Transactions • Unlimited check writing We won’t authorize ATM withdrawals or debit card purchases when you don’t have • Free Identity Theft Resolution Services - Includes identity theft resolution enough available money in your account unless you opt in to debit overdraft service. assistance, identity theft resolution toolkit, and on-line identity theft resource center. Learn more at huntington.com/disclosures/regeoddisclosure.pdf. Call 800.480.BANK (2265) to obtain information about these services. Also, these types of transactions may cause a pending authorization until the transaction is finally settled later that day or in the next few days. See your account Other Companion Services Included with Your Account Rules and Regulations under “Special Rules for Pending Transactions”. The amount • Money Market and Savings Accounts of the pending authorization may not be available to pay other items. This may cause Waiver of money market and savings account minimum balance fee and monthly checks or other items to overdraw your account or to be returned unpaid. However, maintenance fee. we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a • Annual fee waived for Small Safe Deposit Box – Limit one and subject to branch pending authorization. availability When ATM and debit card transactions settle for payment, they may cause an • No Huntington charge for Traveler’s Cheques, Money Orders, Cashier Checks and/ overdraft if there is not enough available money in your account at that time. In that or Notary Service, but Huntington charges for Traveler’s Cheques for Two. case, we will charge an Overdraft Fee unless you have opted out of debit overdraft service. • Waiver of money market and savings account minimum balance fee and monthly maintenance fee. Extended Overdraft Fee OVERDRAFTS If your account is overdrawn 5 or more consecutive days, we will charge an extended overdraft fee of $25. For each subsequent week your account is continuously An overdraft occurs when you do not have enough money in your account to cover a overdrawn, we will charge $25 per week. There is a maximum of four $25 fees during transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, but each continuous overdraft period. No fee if balance is overdrawn by less than $10. we are not required to do so and we may return the item or entry instead. However, we will not charge any fees resulting from paying overdrafts for ATM and one-time ® (everyday) debit card transactions if you have not asked us to authorize and pay 24-Hour Grace these transactions. For any business day that your account is overdrawn at the end of the day and one or more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account Overdraft Fee and Return Fee is not overdrawn by more than $4.99 at the end of the next business day. A “business day” does not include Saturdays, Sundays or federal holidays even if one or more We determine the amount of the fee for overdraft or returned items or entries on any of our branches are open on those days. For example, we will waive Overdraft Fees given day based on the total number of occurrences during the 1-year period ending incurred on Friday if your account is not overdrawn by more than $4.99 at the end of and including that day: the business day on the following Monday. OCCURRENCES OVERDRAFT FEE RETURN FEE Any deposit or transfer to cure the overdraft must be made prior to midnight at the 1 $23 per item $23 per item end of that next business day. In figuring the amount needed to cure the overdraft, remember to take into consideration other transactions that may be posted to 2+ $37.50 per item $37.50 per item your account that will affect the amount needed to cure. Examples of such other transactions are checks, withdrawals, transfers, purchases, payments or other debits. We do not become aware of these other transactions until they are presented to us Occurrences: An “occurrence” means a day for which there is at least one item for payment or settlement. Transactions affecting your account are presented to us or entry in your account to cover, whether we pay or return the item or entry and all during the next business day on which you need to cure. We do not completely whether or not we charge a fee. know all transactions that will be presented for that next business day until we finish Overdraft Fee: For paying each item or entry that overdraws your account. Examples processing after the end of that next business day. Thus, during the time you have to are overdrafts created by check, draft, in-person withdrawal, debit card purchase, cure on the next business day, only you know all of your transactions that may affect ATM withdrawal or other electronic means. There is a limit of 4 overdraft fees per day the amount needed to cure. and we will not charge the fee unless your account is overdrawn by $5 or more. 24-Hour Grace does not apply to Extended Overdraft Fees or Return Fees, nor does it Return Fee: For returning (and not paying) each item or entry when there are not affect the number of overdraft occurrences for purposes of determining the amount of enough funds in the account. Examples are returns of checks, drafts or transfers or an Overdraft Fee. withdrawals by electronic means. There is a limit of 4 return fees per day. Please visit huntington.com/grace for further details about this service.

38 39 OVERDRAFT PROTECTION PLAN FEES • Dormant Account Fee (per month)...... $5 Applies when there is no customer-initiated transaction for 24 months for personal money market and savings accounts or 6 months for personal checking accounts. Overdraft Protection Transfer Plans Exceptions to the fee: minor accounts or accounts with a minimum balance of Each Deposit to Deposit Overdraft Protection Transfer...... $0 $1,000. Not applicable for accounts opened in Indiana and Florida. Personal checking account linked to a qualified, personal savings or money market • Monthly Hold Mail Fee...... $5 account. • Early Account Closing Fee (within 180 days of opening) ...... $25 Each Personal Credit Line Overdraft Protection Transfer ...... $0 Personal Credit Line Overdraft Protection transfer fee does not apply to Overdraft • Money Order charge Protection Lines of Credit originated by Sky Bank. – Non-Huntington customers...... $6 Each Credit Card Overdraft Protection Transfer...... $0 • Cashier’s Check charge – Non-Huntington customers...... $15 Checking Reserve Account • Traveler’s Cheque charge for individuals Checking Reserve Account monthly participation fee (charged to your Checking Reserve Account)...... $12 – Non-Huntington customers...... 3% of face value See the Agreement and Disclosure of Account Terms and Rules and Regulations for • Traveler’s Cheque for Two charge Consumer Checking Accounts for a description of available overdraft protection plans. – Huntington customers...... 2.5% of face value – Non-Huntington customers...... 3% of face value Fees for Other Checking Account and Miscellaneous Services • Fee for Wire Transfer • Each Huntington ATM extended statement...... $2 – Domestic Outgoing ...... $25 • Each non-Huntington ATM transaction (waiver of up to the first 5 non-Huntington – Domestic Incoming...... $15 ATM Cash Withdrawal fees assessed by Huntington during the statement period. Huntington will reimburse you for fees on the same transactions that are charged by – Foreign/International Outgoing...... $75 the owner of a non-Huntington ATM or other terminal) ...... $2 – Foreign/International Incoming ...... $15 You will be responsible for any additional fees for ATM transactions charged by the owner of a non-Huntington ATM, and such fees may be included as part of the FORM: RREMPPLUSCHKRPAC (07/14) withdrawal amount. • For international debit card and ATM transactions (whether or not you use your V. FUNDS AVAILABILITY POLICY APPLICABLE TO ALL PIN) and international ATM transactions...... 3% of the amount PERSONAL CHECKING ACCOUNTS posted to your account The following information is a disclosure of our policy regarding the availability of funds If you use your card or card number for an international transaction, the transaction you deposit into your personal checking account(s) with us. This availability policy may be in a currency other than U.S. Dollars. We will post an international applies only to funds deposited at Huntington offices or Huntington automated teller transaction to your account in U.S. Dollars based on the applicable currency machines. (Unless otherwise indicated, money market accounts, savings accounts, exchange rate on the day we settle the transaction. The day we settle the and certificates of deposit are not checking accounts for the purpose of this disclosure.) transaction may be a different day than the day you used your card or card number. Also, networks through which an international transaction occurs may charge fees Our policy is to make funds from your deposits available to you according to the type that are added to the transaction amount. As a result, the amount posted to your of deposit you make and the amount of time your account has been with us. The term account may be a different amount than the original amount of the transaction. “check” as used in this policy does not include a non-cash item, an item payable in medium other than United States money, or a check drawn on or payable through a The transaction is an international transaction if the network that presents the bank’s office located outside the United States. Deposits of these items are outside of transaction to us processes it as occurring outside of the United States or its the scope of this policy. territories, possessions or facilities (such as a U.S. military base, U.S. embassy or U.S. consulate). The transaction is also an international transaction, regardless of Please note: Even though a deposit made during a business day may not be available location, if the transaction was in a currency other than U.S. Dollars. on the day of deposit under this Funds Availability Policy, we may consider the amount of the deposit available to authorize transactions or to pay other items or transactions • Check Image Statement Fee (multiple front images per page)...... $2 presented for payment, settlement or withdrawal from your account. • Returned Deposit Item Fee...... $10 • Stop Payment ...... $31

40 41 Determining the Availability of a Deposit 30 days, the check is not payable to you or if you fail to use a special deposit slip, For determining the availability of your deposits, every day is a “business day” except see “AVAILABILITY OF CHECK DEPOSITS” to determine availability). Saturdays, Sundays and federal holidays. If you make a deposit before the applicable cut-off time on a business day when we are open, we will consider that day to be the Availability of Deposits Made at Automated Teller Machines day of your deposit. However, if you make a deposit after the applicable cut-off time, The following availability disclosure is made subject to the limits which are stated in or on a day that we are not open, we will consider that the deposit was made on the our agreement for automated teller machine (ATM) transactions. Funds from your next business day we are open. Please note that the applicable cut-off time is posted deposits made at ATMs we own or operate will be available on the same day as the in each banking office; the earliest cut-off time for deposits made in person to one of day of each deposit, up to your daily card limit (see the Electronic Banking Service our employees is 2:00 p.m. local time. See Deposits Made At Night Depositories for Agreement and Disclosure Statement to determine your card limit). availability of deposits made at the night depositories. See “AVAILABILITY OF CHECK DEPOSITS” or “AVAILABILITY OF OTHER DEPOSITS” to determine the availability of the remaining deposit made at ATMs we own or Availability of Electronic Deposits operate. Deposits received by means of wire transfers are available for withdrawal on the You can determine which ATMs are owned or operated by us by the ® or Huntington business day we receive the transfer. Other electronic deposits such as Social on the screen. Cut-off times for deposits made at ATMs will be 2 p.m., unless a later Security benefits and payroll payments are available on the business day we receive cut-off time is posted on the ATM. the transaction. Deposits, whether cash or checks, made at ATMs we do not own or operate will be available on the second business day after the business day of your deposit. Availability of Check Deposits Except in certain circumstances (see e.g., “LONGER DELAYS MAY APPLY”), if you Deposits Made at Night Depositories have maintained a satisfactory checking account relationship with us for: The night depositories are not available for you to make deposits when Huntington • Over Six Months: All funds from your check deposits will be available on the first offices are open. Deposits placed in the night depositories are considered received business day after the business day of each deposit. when we remove them from the night depositories one time each business day • Up to and including Six Months: Up to $500 of funds from check deposits in your before the Huntington office opens, and such deposits (so long as accessible for account will be available on the first business day after the business day of each processing) will be processed before the Huntington office cut-off time and available deposit. The remainder of your funds from check deposits will be available on the in accordance with this funds availability policy, which usually depends on the type of second business day after the business day of each deposit. deposit (e.g., cash or checks).

Availability of Other Deposits Longer Delays May Apply The entire amount of your cash deposit made at a Huntington office will be available In some cases, we will not make all of the funds that you deposit by check available at on the same day as the day of deposit. Except as provided in “Availability of Deposits the times shown above. Depending on the type of check that you deposit, funds may Made at Automated Teller Machines”, all other cash deposits will be available on not be available until the second business day after the business day of your deposit. the first business day after the business day of each deposit. Further, regardless of However, the first $200 of each day’s total deposits will be available on the first the age of your account, the entire amount of the following types of deposits will be business day after the business day of deposit. available on the first business day after the business day of each deposit, except in certain circumstances (see e.g., “LONGER DELAYS MAY APPLY”): If we are not going to make all funds from your deposit available at the times shown above, we will notify you at the time you make your deposit. We will also tell you when • Checks drawn on The Huntington National Bank; the funds will be available. If your deposit is not made directly to a bank employee, or • U.S. Treasury checks, U.S. Postal Service Money Orders, Federal Reserve Bank if we decide to take this action after you have left the premises, we will mail you the checks and Federal Home Loan Bank checks, if they are payable to you (note: if notice by the day after we receive your deposit. the check or money order is not payable to you, see “AVAILABILITY OF CHECK If you will need the funds from a deposit right away, you should ask us when the DEPOSITS” to determine availability); funds will be available. • State and local government checks and cashier’s, certified or teller’s checks, if they In addition, funds you deposit by check may be delayed for a longer period under the are payable to you and if you use a special deposit slip available, upon request, following circumstances: at our banking offices (note: if the check is not payable to you, or if you fail to use a special deposit slip, see “AVAILABILITY OF CHECK DEPOSITS” to determine • If we believe the check being deposited is uncollectible. availability); and, • If you make deposits in any one day that exceed $5,000. • Traveler’s Checks, during the first thirty (30) calendar days a new account is open, • If a check that has been returned unpaid is redeposited. if they are payable to you and if you use a special deposit slip available, upon • If you have overdrawn your account repeatedly in the last six months. request, at our banking offices (note: if your account has been opened more than • If there is an emergency such as failure of communications or computer equipment.

42 43 We will notify you if we delay your ability to withdraw funds for any of these reasons The amount of your refund under this procedure is limited to the amount of your and tell you when you will be able to withdraw the funds. The delay in your ability to loss or the amount of the substitute check, whichever is less. You are also entitled to withdraw funds will generally not exceed seven (7) business days from the business interest on the amount of your refund if your account is an interest-bearing account. day of your deposit. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. Holds on Other Funds If you use this procedure and we do not resolve the dispute before the end of the 10th If we cash a check for you that is drawn on another financial institution or entity, business day after we receive your claim, you may receive up to $2,500 of your refund we may place a hold on an equal amount of funds in your account for the length of (plus interest if your account earns interest) at the end of the 10th business day. You time it would have taken for the check to be available for withdrawal if it had been will receive the remainder of your refund (plus interest if your account earns interest) deposited to your account. not later than 45 calendar days after we received your claim if we have not resolved your claim before that time. Checks That Are Returned to Us Unpaid However, under certain circumstances, we may delay your refund until the earlier of the: Please remember that even after we have made funds available to you, and you (i) Start of the business day following the business day on which we determine your have withdrawn the funds, you are still responsible for checks you deposit that are claim is valid; or returned to us unpaid and for any other problems involving your deposit. (ii) 45th calendar day following the business day on which you submit your claim. If you have any questions regarding when your funds will be available for withdrawal, Circumstances would include if: please contact your local banking office, or you may call our toll free number • Your account is a new account, i.e., it was established in the previous 30 calendar 1-800-480-BANK or in Columbus 480-BANK. days; • We have reasonable cause to believe the claim is fraudulent; IMPORTANT INFORMATION ABOUT YOUR ACCOUNT – SUBSTITUTE CHECKS AND YOUR RIGHTS • Without considering your claim, the account has been repeatedly overdrawn during the six-month period ending on the date we received your claim. For purposes of this section regarding substitute checks, account includes not only your checking account, but also any savings account, money market account and We may reverse the refund (including any interest on the refund) if, later, we are able certificate of deposit account you have with us. to demonstrate that your claim regarding the substitute check is not valid.

What is a substitute check and how will it appear in my periodic statement? How do I make a claim for a refund? To make check processing faster, federal law permits banks to replace original checks If you believe that you have suffered a loss relating to a substitute check that you with “substitute checks.” These checks are similar in size to original checks with received, please contact us at 1-800-480-2265 or stop by your nearby Huntington a slightly reduced image of the front and back of the original check. The front of a banking office. You must contact us within 40 calendar days of the date that we substitute check states: “This is a legal copy of your check. You can use it the same mailed (or otherwise delivered by a means to which you agreed) the substitute check way you would use the original check.” You may use a substitute check as proof of in question, whichever is later. We will extend this time period if you were not able to payment just like the original check. make a timely claim because of extraordinary circumstances. Some or all of the checks you receive back from us may be substitute checks. For Your claim, which we may require you to submit in writing, must include the example, if you have deposited a check that was replaced with a substitute check but information detailed below: was returned to us (for non-sufficient funds, for example), we will provide you with the • A description of why you have suffered a loss (for example, you think the amount returned substitute check. This notice describes rights you have when you receive withdrawn was incorrect); substitute checks from us in your periodic statement. The rights in this notice do not • An estimate of the amount of your loss; apply to original checks (unless those items have been replaced with a substitute check) or to electronic debits to your account. However, you have rights under other • An explanation of why the substitute check you received is insufficient to confirm law with respect to those transactions. that you suffered a loss; and • A copy of the substitute check or information to help us identify the substitute What are my rights regarding substitute checks? check. This identifying information could include the: If you receive a substitute check from us, federal law provides a special procedure – Account Number that allows you to request a refund for losses you suffer as a result of the substitute – Check Number check (for example, if you think the substitute check caused us to withdraw the wrong amount from your account or to withdraw money from your account more than once – Amount for the same check). The losses you may attempt to recover under this procedure may – The name of the person, business or organization to whom you wrote the check. include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, non-sufficient fund fees).

44 45 For your convenience, you may obtain our form, Check 21 Re-Credit Request Form, Rate Information at any of our banking offices, by calling us at1-800-480-2265 , or through our web The current interest rate(s) and annual percentage yield(s) we pay on your account, site at huntington.com. minimum balances to earn each rate, and the minimum balance to open this account (if any) are shown on the current rate sheet which we are providing to you at the RRPERFUNDSAVAIL (Eff. 07/2014) same time as these Rules and Regulations. These rates may change without notice to you as described under “RATE CHANGES”. We compute interest for each day using VI. AGREEMENT AND DISCLOSURE OF ACCOUNT TERMS AND RULES AND the current interest rate or rates for which your principal balance at the end of the day REGULATIONS FOR PERSONAL SAVINGS AND MONEY MARKET ACCOUNTS qualifies you. We compute interest at a daily periodic rate of 1/365th (1/366th in a leap year) “You” and “your” mean the owner(s) for this account. “We,” “us” and “our” mean of the applicable annual rate for each day. For savings accounts, interest will be The Huntington National Bank. compounded and paid on a quarterly basis, and for money market accounts interest This Agreement and Disclosure of Account Terms and Rules and Regulations for will be compounded and paid on a monthly basis. Interest will be paid by adding it to Consumer Savings and Money Market Accounts (the “Rules and Regulations”) your account (less any amount required to be withheld.) applies to any type of savings or money market account you are opening with us If you close your account before interest is paid for the statement period, we will except (i) any type of savings or money market account we offer for businesses and pay you the accrued interest for that statement period. However, there may be (ii) any type of savings or money market account we offer for consumers for which circumstances under which minor adjustments may result in a small amount of we have separate Rules and Regulations for that type of account. Unless otherwise accrued interest not being paid to you when you close your account. provided in these Rules and Regulations, the word “account” means both savings and money market account, as applicable to you. If we are providing you with these We may stop paying any interest on the account if you violate the transaction limits Rules and Regulations for an existing account, these Rules and Regulations replace applicable to this account. See “TRANSACTION LIMITS”. We will not pay interest the Rules and Regulations for that existing account. on any amount we withdraw from your account and hold elsewhere in response to garnishments, attachments, levies, support orders, court orders, or other process These Rules and Regulations, the Personal Account Charges Form for the type of involving your account. savings or money market account you have, the rate sheet for the type of savings or money market account you have, any signature card for your account, and any other documents for your account or to access or perform transactions on your account Rate Changes are collectively referred to as the “Account Documents”. The Account Documents The interest rate(s) and annual percentage yield may change at any time at our collectively constitute the deposit contract for your savings or money market account. discretion without notice to you. We may determine rates for different balance tiers.

Balance Computation Method NOTICE OF ARBITRATION PROVISION The Account Documents are subject to an Arbitration Provision, which you should read We use the daily balance method to calculate the interest on your account. This carefully. If a dispute between you and us is arbitrated, the Arbitration Provision will method applies a daily periodic rate to the principal balance in your account at the substantially affect your rights, including your right to have a court trial or to bring, join in end of each day, less the amount of any items for which we have not begun to accrue or participate in a class action. interest as described below, to determine the interest earned for that day. We then add together the interest earned for each day in the quarterly period (for savings accounts) or monthly period (for money market accounts) to determine the amount of Account Relationship interest to pay you for the applicable quarterly or monthly period. If we are opening a new account for you, you agree to all of the provisions contained in the Account Documents and all of our procedures that govern that type of accounts. When Interest Begins to Accrue on Non-Cash Deposits If we are transferring your funds to a new type of account from an existing account, Interest begins to accrue no later than the business day we are deemed to receive which we are closing, your new account may have the same account number as the credit for the deposit of non-cash items (for example, checks). However, we are not existing account it is replacing. Your new account is subject to all of the provisions of required to pay interest on items that are returned for insufficient funds or for another the Account Documents and all of our procedures that govern that type of account. reason, even if we have begun to accrue interest on that item. We may debit your account for interest that we have previously paid on such returned items. If we are responding to your request for information about your existing account, then the Account Documents set forth the provisions that govern your existing account. Minimum Balance to Earn Interest If we are responding to your request for information about an account, then we are not opening any account for you, and the Account Documents have no legal effect other The principal balance you must have in your account at the end of the day to qualify to than to provide information to you. All of the information we provide to you is subject to earn any interest for that day is stated in the rate sheet currently applicable for the type change. of account you have. If you qualify, we compute interest for that day using the current interest rate for which your principal balance at the end of the day qualifies you.

46 47 Transaction Limits period. When an account is closed, activity or transactional fees may be debited when the Although you may normally make withdrawals from your account at any time, under account is closed if not previously debited during that statement period. applicable federal law we can require you to give us 7 days’ prior notice of any withdrawal. Under applicable federal law, you are limited to a total of no more than Bonuses 6 transfers and withdrawals, or a combination of such transfers and withdrawals, in If we offer any bonus in connection with opening your account, we will provide any calendar month to another account of yours with us or to a third party by certain information about the bonus on a separate document given to you along with these methods from your account. These methods are by (i) preauthorized or automatic Rules and Regulations. transfer, (ii) telephone agreement, order or instruction or (iii) check, draft, debit card or similar order payable to third parties. We do not necessarily offer any or all of these Making Deposits methods of withdrawal from your account. If you exceed these limits, we may refuse to permit the excessive withdrawal(s), terminate your preauthorized, automatic, or You may make deposits to your account in any manner we permit at any time our third-party transfer and payment privileges, or close your account. banking offices or other deposit-taking facilities are open. All deposits are made subject to our verification procedures and the terms and conditions on our deposit You may not use or permit your account to be used to make or participate in illegal slip or depository envelope (if any). We may refuse, limit or return deposits for any transactions or Internet gambling. We will not be liable if you engage in an illegal reason and at any time, including but not limited to, deposits made at our banking transaction or Internet gambling. We may reject or deny any transaction, including offices, or when we or others process the deposit for collection. Any of you may make but not limited to merchant authorization or other electronic inquiries, if we believe deposits or, when permitted by law or by the terms of the item, endorse the other’s there is a reason to do so, including any illegal or Internet gambling transaction. checks or other items for deposit to your account. Any limitations on electronic funds transfers available for your account are set forth in You authorize us to accept checks and other items and entries (“deposited items”) the agreement and disclosure for that electronic funds transfer service. for deposit to your account if they are made payable to, or to the order of, any one or more of you, whether or not they are indorsed by you. You authorize us to supply Charges missing indorsements and you warrant that all indorsements are genuine. We will You agree to pay the applicable fees and charges set forth from time to time in the act as your agent in collecting the money for deposited items. We will be careful in Personal Account Charges Form, applicable for the type of account you have. You making collections, but we will not be responsible for losses caused by you or others also agree to pay any fees and charges we assess in connection with garnishments, in the collection process. We may credit your account for the amount of deposited attachments, levies, support orders, court orders, or other process involving your items, subject to actually collecting the money for them. However, subject to federal account. You also agree to pay our fees and charges for additional services in law and our Funds Availability Policy, we reserve the right to wait until we have connection with your account. We will not charge an Overdraft Fee for fees and actually received the money for deposited items before we credit your account, and to charges assessed into overdraft. receive deposits subject to special condition. You authorize us to debit all fees and charges from your account whether or not If we credit your account for the amount of any deposited item and it is returned for that causes an overdraft in your account. We may from time to time, in our sole any reason, we may debit that amount from your account. We may also charge you a discretion, waive certain fees and charges on a one-time, periodic or other basis fee for such returned deposited items. We may debit the amount from your account without changing the terms of these Rules and Regulations or your obligations under even before a deposited item is returned to us if we have reason to believe it cannot these Rules and Regulations and without obligating us to provide similar waivers in be collected or is being returned. You will be responsible for, and agree to indemnify the future. and hold us harmless from any liability, loss or expense (including reasonable attorneys’ fees) arising from a deposited item that is returned to us, even after it is When Fees Are Incurred and Debited initially paid, for an alleged breach of warranty under applicable law or other reason not caused by us, including, but not limited to, a claim of forged or unauthorized Monthly fees are incurred at the beginning of the monthly statement period and indorsement, a claim of alteration, or a claim that a remotely created check (a check debited at the end of the statement period. For new accounts, monthly fees are that does not bear a signature applied, or purported to be applied, by the person on incurred when the account is opened. When an account is closed, monthly fees are whose account the check is drawn) is not authorized. debited when the account is closed rather than waiting until the end of the statement period. Monthly fees incurred for the monthly statement period in which an account If you make a deposit in foreign currency, we will post the transaction in U.S. dollars is opened or closed apply for the entire statement period even though the account based on the currency exchange rate we determine is in effect on the day we settle may be opened for less than a full month during that statement period. However, any the transaction. The currency exchange rate may be different on that day than on the monthly fee incurred will be waived if a waiver condition applies. During the monthly day we processed the transaction. There may be special currency exchange charges. statement period in which an account is opened or closed, minimum or average daily This may result in your account being posted for a greater or lesser amount than the balance requirements are computed for the days the account was opened during that original amount of the transaction. statement period. All deposited items must be completed in dark blue or black ink. You may not deposit Activity or transactional fees are incurred when the activity or transaction occurs, and may a substitute check with us unless 1) we otherwise agree in a separate writing with you be debited when the activity or transaction occurs or at the end of the monthly statement

48 49 or 2) a check that you deposit is returned to you as a substitute check for the first Overdrafts and Returns time. If there is not enough money in your account to cover a transaction presented to You will be responsible for, and agree to indemnify and hold us harmless from, us, we may, in our sole discretion, either pay it and cause an overdraft or return it any liability, loss or expense (including reasonable attorneys’ fees) arising from a (bounce a check, for example). In either case, we may charge you a fee as explained deposited check that is not completed in dark blue or black ink, or a deposited under “Fees for Overdrafts and Returns” below. You have no right to overdraw your substitute check that violates this paragraph. In addition, you will be responsible account, and no course of dealing, usage of trade, or bank policy or procedure for, and agree to indemnify and hold us harmless from any liability, loss or expense establishes a right for you to overdraw your account. (including reasonable attorneys’ fees) arising from a delay in return caused by any You can avoid having insufficient funds in your account if you practice good account condition of a deposited check arising after it is issued and before we accept it for management and maintain sufficient available funds in your account to cover deposit (including, but not limited to, markings that obscure a properly placed bank all transactions to be paid or debited from your account. In figuring if you have indorsement). sufficient available funds, you need to take into consideration all of your transactions, including those which may not yet have been presented to us for payment or Night Depository settlement. Examples of such transactions are checks (if applicable to your account), We provide automated teller machines (ATMs) where you can make deposits, withdrawals, transfers, purchases, payments or other debits. Special rules may payments, withdrawals or other transactions either during or after business hours apply for certain pending transactions (see “Special Rules for Pending Transactions” for our banking offices. We strongly advise you to use our ATMs, and not our night below). Transactions affecting your account are presented to us all during the depository facility, to make deposits or payments after hours. The night depository business day. We do not completely know all transactions that will be presented for facility is intended for commercial customers with large after-hours deposits and is any given business day until we finish processing after the end of that business day. not designed to be used by consumer customers. Thus, during the business day, only you know all of your transactions that may affect your account balance for that business day. If you do use the night depository facility, you may only use it to make deposits or payments. You must place the deposit or payment into a fully completed envelope, If we allow an overdraft on your account, you must pay us immediately for the amount which we make available. If it is unclear to us what to do with the deposit or payment, of the overdraft and any fees we charge in connection with the overdraft. If we return we may credit it to any account you have with us. If we do not find your deposit or the item or entry, you must pay us any fees we charge in connection with returning payment in the night depository, it shall be conclusively presumed that the deposit it. By making or allowing deposits to your account, you agree that we may use such or payment was not placed in the night depository, and we have no responsibility deposits to reduce or eliminate any overdraft balance in your account, including, but or liability for it. We likewise are not responsible or liable for any loss of deposits or not limited to, any fees in connection with any overdraft or return of any transaction. payments caused by fire, flood, water damage, vandalism, burglary or acts of God. We will not be responsible for damages or wrongful dishonor if any transaction is We may cease availability of a night depository at any time without notice to you. returned or otherwise not paid because your account does not have enough funds.

Withdrawals Fees for Overdrafts and Returns Except as otherwise limited by these Rules and Regulations, withdrawals from your We charge fees for paying overdraft transactions or for returning them. However, account may be made in person or in any other manner we permit. Transfers from we will not charge any fees resulting from paying overdrafts for ATM and one-time your account are withdrawals. (everyday) debit card transactions if you have previously opted out of debit overdraft service (see the separate form “What You Need to Know about Overdrafts and We reserve the right to refuse the withdrawal of any amount that has not yet been Overdraft Fees”). collected or if we have not learned that collection is final. In accordance with reasonable banking standards, most items are processed through automated In most cases, if we authorize an ATM or one-time (everyday) debit card transaction, processing systems and, except in limited circumstances and in our discretion, most we are required by card network rules to pay it when it settles, even if that causes items are not individually examined. You agree that we act within reasonable banking your account to overdraw. If you have opted in to debit overdraft service, we may standards by processing most items through automated processing systems. charge you an Overdraft Fee if that happens. If you have opted out of debit overdraft service, we must still pay the item into overdraft if card network rules require us to do Timing of Transactions so, but we cannot charge you an Overdraft Fee. However, if you do not opt in to debit overdraft service, we will generally deny an authorization request, if at the time of We will treat each deposit and withdrawal as having been made on the day we post authorization, the authorization amount would overdraw your account. it to your account. We may treat any deposit or withdrawal made on a day that is not a business day (such as Saturdays, Sundays, and holidays, even if we are open We determine the amount of the fee for overdraft or returned transactions on any on those days) or after our cut-off time on any business day as if made on our next given day based on the total number of occurrences during the 1-year period ending business day. and including that day. The amount we charge for overdraft fees and return fees is shown on our Personal Account Charges Form. An “occurrence” means a day for which there is at least one transaction in your account to cover when your account does not have enough funds, whether we pay or return the transaction and whether or not we charge a fee. We also charge an extended overdraft fee if your account

50 51 remains overdrawn for an extended period. See our Personal Account Charges Form Posting Order for the amount of this fee. Posting order is a very complex process, involving many hundreds of types of transactions. Generally, however, on any given business day, we post deposits and Special Rules for Pending Transaction credits first, followed by various categories of withdrawals, payments, transfers and Certain transactions, such as debit card purchases and ATM transactions, have a other debits (applicable to your type of account), with fees and interest (if any) posted two-step process that can affect availability of funds in your account to pay other at the end. Within the various categories of debits: items. These transactions usually first have an electronic authorization request, which • We post certain electronic transactions that have a valid date/time stamp is followed on the same day or in the next few days by an electronic request for authorization in chronological order, such as most debit card purchases and ATM settlement. withdrawals and transfers. The amount of the authorization request may not be available to cover other • We post most checks in check number order, with exceptions for certain checks transactions pending final settlement. This can cause other transactions to be that we are not able to return. returned unpaid or to overdraw your account. However, we will not charge an • We post other items, entries and transactions in low-to-high order based on amount Overdraft Fee or a Return Fee if there would have been enough available funds in within their specific categories. your account but for the pending authorization request. However, if we return other transactions unpaid, that may have other adverse consequences for you, such as fees If there are insufficient available funds in your account to cover all transactions to be charged by the payee of the returned transaction. paid or debited from your account on a given day, the posting order we establish will determine which ones we are able to pay or debit from available funds. The posting When the debit card purchase or ATM transaction is finally settled, it can cause your order can affect the amount of overdraft and return fees we charge you. account to overdraw if there are not enough funds in your account at the time of settlement. This may cause an Overdraft Fee if you have opted in to debit overdraft coverage (see “Fees for Overdrafts and Returns” above). Our Liability Consider the following example: Assume you start the day with an account balance Except as otherwise provided for electronic fund transfers by applicable law or by of $50, during the day you make a debit card purchase of $35 that we authorize as other agreements applicable to your account, you agree that: a pending transaction. Later that day an Automated Clearing House (“ACH”) debit • If we do not properly complete a transaction according to these Rules and for $30 (e.g., a monthly membership fee) you set up a few days ago is presented to Regulations, we will not be liable for losses or damages in excess of the amount of us for payment. The pending debit card authorization reduces the available funds the transaction. in your account to $15, which is not enough to pay the $30 ACH debit. We may, • We will not be liable if circumstances beyond our control prevent the transaction or depending on criteria we establish, and your opt-in/out preferences for debit overdraft if the funds in your account are or may be subject to legal process or other claim. coverage, do one of the following: • We will not be liable for any consequential damages. • Return the ACH debit, but not charge you a Return Fee, since there would have been enough in your account to pay the ACH debit, except for the $35 pending You are responsible for the condition of any other item when you issue it. If an item debit card authorization. (If the ACH debit had been for $55—more than your is returned or payment is delayed as a result of any writing or marking that you or a account balance—and we returned it, we would charge you a Return Fee.) If we prior indorser placed on the front or back of the item, you will be responsible for any return the $30 ACH debit, assuming there are no other transactions, your account cost and liabilities in connection with such return or delay. balance on the next business day (without considering the $35 pending debit card authorization) will still be $50. If the $35 debit card purchase is presented to us for Statements and Transaction History final settlement on that next business day, it would reduce your account balance to We will provide you with periodic statements showing the activity on your account. $15, and your account would not be overdrawn. Daily transaction activity may also be viewed online if you are an online banking • Pay the ACH debit and not charge you an Overdraft Fee, since there would have customer, or through other mobile or digital methods we make available. It is your been enough in your account to pay the ACH debit, except for the $35 pending duty to review your statements and transaction history promptly to determine and debit card authorization. (If the ACH debit had been for $55—more than your report to us whether there are unauthorized transactions, fraudulent activity, forgeries, account balance—and we paid it, we would charge you an Overdraft Fee.) If we alterations, missing deposits, or any other errors (all such activity referred to as pay the $30 ACH debit, assuming there are no other transactions, your account “errors”) with regard to your account. We are not required to return your cancelled balance on the next business day (without considering the $35 pending debit card checks from your money market account or other items from your account with your authorization) will be $20. If the $35 debit card purchase is presented to us for final statements or otherwise. If we do return any of them, or provide access to any of settlement on that next business day, generally we are required to pay it under debit them online or otherwise, you should review those promptly for errors as well. card network rules. However, that will cause your account to overdraw ($20 minus Except as otherwise provided for electronic fund transfers by applicable law or by $35) and your account balance will be negative $15. In that case, we will charge an other agreements applicable to your account, if you fail to notify us of errors in the Overdraft Fee, unless you have previously opted out of debit overdraft service. manner specified below within 30 days after the date your statement is mailed or otherwise made available to you: • We will have no liability for such errors nor be required to reimburse you for them.

52 53 • We will have no liability for (i) any additional error or errors by the same wrongdoer require all remaining joint owners and the guardian/conservator to divide the money in or (ii) any loss that we could have avoided if you had promptly notified us. the account and open a separate account for the ward. Your notice of error must be provided by calling us at 800-480-2265 or writing to us at The Huntington National Bank, Attention: Customer Service, P.O. Box 1558, Joint Account Survivorship Rights . Columbus, Ohio 43272 If your account is in two or more names, each of you agrees that it is a joint account Moreover, no legal proceeding or action for errors may be brought against us more with right of survivorship. If one of you dies, the balance in the account may be paid than one year after the statement showing such errors has been mailed or otherwise to the survivor. If there is more than one survivor, the balance in the account may be made available to you. paid to any of them. The survivors will still have rights of survivorship. We may make any payment referred to in this paragraph regardless of the source of the funds in the Where Your Account Is Maintained account. Although you may transact business on your account at any of our banking offices in any state, you agree that your account is maintained at the banking office where Liability of Joint Account Owners your account is opened. If you do not open your account through one of our banking Any money deposited in a joint account by any of you is subject to being garnished offices, but do so remotely through the Internet or other mobile or electronic method, or levied upon by the creditors of any of you, and is subject to our right of set off, our telephone banking facility or some other means, your account will be maintained regardless of who owned the money, or the manner in which such money was owned, in Columbus, Ohio, unless we assign your account to a different banking office in prior to being deposited to your account. This is true even if the one of you owing us another area, region, or state. We may change where your account is maintained if or the other creditor money is different than the one of you who deposited the money. we determine that it is appropriate to do so. This is also true even if the one of you owing us or the other creditor money was made a joint owner only for signing, convenience, or other purpose. We may use the Account Ownership money in your account to satisfy any garnishment, attachment, levy or similar process The ownership of your account and the manner in which your account is held are against any one or more of you, regardless of the source of the funds in your account. established by the signature card or, if we no longer use a signature card, such other document or record that we use to identify ownership (referred to in these Rules and Accounts Payable on Death Regulations as the “signature card”). If the signature card for your account is lost or We may allow your account to be made payable on death (“P.O.D.”), if all of the unavailable, or ownership cannot be determined from the signature card, we will use account owners are natural persons and all such persons sign the P.O.D. agreement other evidence available in our records, as we determine, to identify ownership and on the signature card for this account. Any change of designated payees in the POD the manner in which your account is held. agreement must be signed by all account owners and delivered to us on a special form we will give you. While any of you are living, no designated payee has any Joint Accounts rights with respect to the account. If any of the account owners pledge the account Two or more individuals may open a joint account. We may allow any of you to: to secure any obligations, that pledge shall take precedence over the interest of any designated payee. • Deposit to your account; • Pledge the entire account or any portion of it to secure any of the obligations of any Formal Trust Accounts of you; A formal trust account is an account held by one or more trustees for the benefit • Withdraw from or conduct business on your account for all or any part of the of one or more beneficiaries under a written trust agreement separate from your balance; account. Upon our request, the trustee(s) must provide us with a complete copy of • Transfer ownership of your account; any trust agreement affecting your account, or such other document or certification that applicable law permits us to rely on as a summary or description of the trust. • Authorize someone else to conduct business on your account; or We act only as a custodian of the trust funds on deposit in your account. We are • Close your account. under no obligation to act as a trustee or to inquire as to the powers or duties of the We do not have to consider the source of funds in your account when we allow you to do trustee(s). The trustee(s) and/or any person opening your account, in their individual any of these things. You agree that any withdrawal by any of you is presumed to be for capacity and jointly and severally, agree to indemnify us and hold us harmless from the benefit of each of you. You also agree that, when permitted by law or by the terms of and against any and all loss, costs, damage or liability (including but not limited to the item, each of you may endorse the other’s checks or other items for deposit. reasonable attorneys’ fees) we may suffer or incur arising out of any action or claim by any beneficiary or other trustee with respect to the authority or actions taken by If we believe there is a dispute between joint account owners or if we receive the trustee(s) in handling or dealing with your account. inconsistent instructions from joint account owners, we may suspend or close the account, require a court order to act, and/or require that all joint account owners agree in writing to any transactions concerning the account. If one or more of the joint owners Informal Trust Accounts becomes a ward of a guardianship, conservatorship or similar proceeding, we may We may allow your account to be held as an informal trust account. An informal trust account (also known as a “Totten Trust”) is an account owned by a trustee and shown

54 55 as a trust account on our records, but without a written trust agreement separate well as to refuse to recognize a successor attorney-in-fact at any time, whether or not from your account. The beneficiaries of an informal trust account have no right to any the successor attorney-in-fact is specifically identified in the power of attorney. funds in the account during the lifetime of the trustee. The trustee is the owner of the In addition, subject to applicable law, we reserve the right to refuse to follow the account and may withdraw money from the account and may, by written direction instructions of an attorney-in-fact. The person you appoint will be subject to all of the to us, change the beneficiary under the account. Upon the death of the trustee, the provisions of the Account Documents. If you have a joint account, we may require account is then owned by the named beneficiary or beneficiaries in our records. If each of you to consent to the appointment. Any person appointed as an attorney-in- there is no surviving beneficiary, applicable state law will determine ownership of the fact, whether or not designated as an authorized signer on the signature card for this funds in the account. If the account is held by more than one trustee, the trustees are account, is not an owner of this account. We may honor a power of attorney until we subject to the provisions of these Rules and Regulations applicable to joint account receive written notice from you that you have revoked the power of attorney and have ownership. had a reasonable time to act on such notice.

Accounts for Minors Verification of Authority and Identity We may allow you to establish the account as a custodian for a minor beneficiary under We reserve the right, at the time of account opening and at all times thereafter, the Uniform Transfer to Minors Act or the Uniform Gifts to Minors Act or similar law to require such documents and authorizations as we may deem necessary or applicable in your state (the “Minors Act”). If so, your rights and duties are governed by appropriate (i) to verify that the person(s) opening or owning the account, requesting the Minors Act. You are not permitted to pledge the account as collateral for any loan or directing withdrawal of funds or the performance of other transactions or otherwise to you. Deposits in the account are held by us for the exclusive right and benefit of the taking action with respect to the account has the authority to do any of the foregoing minor. The custodian and/or any person opening the account, in his or her individual and (ii) to establish the identity of any such person(s). capacity, agrees to indemnify us and hold us harmless from and against any and all loss, costs, damage or liability (including but not limited to reasonable attorneys’ fees) we may suffer or incur arising out of any action or claim by any beneficiary or other No Special Access or Other Requirements custodian with respect to the authority or actions taken by the custodian in handling or We are not required to honor any requests, instructions or directions from you or on dealing with the account. your behalf with respect to multiple signature or multiple authorization requirements for access to your account or for any other matters with respect to your account We may allow this account to be opened in the name of a minor jointly with a person not specifically authorized by these Rules and Regulations (referred to as “special who is not a minor. In such case, the account is treated as a joint account as provided requirements”). We may allow any of the persons designated as authorized signers in these Rules and Regulations, except that the accountholder who is not a minor is on the signature card or other records we maintain for your account to sign checks or responsible for all transactions and other activity on the account by the minor. The other items, to withdraw funds or otherwise to authorize transactions or other matters accountholder who is not a minor agrees to indemnify us and hold us harmless from with respect to your account. We are not bound by any special requirements, whether and against any and all loss, costs, damage or liability (including but not limited to or not we know about them or whether or not you include them in signature cards, reasonable attorneys’ fees) we may suffer or incur arising out of any claim with respect resolutions, or other documents provided by or delivered to us in connection with your to the authority of the minor to perform transaction or otherwise conduct activity on the account. We have no duty to monitor your account for compliance with any special account. requirements. We have no liability for not complying with any special requirements. We may also allow this account to be opened individually or jointly in the name of a minor or minors without also having an accountholder who is not a minor and without Unclaimed Funds and Dormant Accounts a custodian for a minor beneficiary under the Minors Act if applicable law so permits and if it is our policy to do so. If we open such an account, you agree that you will be Under applicable state law, the money in your account will be considered abandoned obligated under these Rules and Regulations, and under all of the Account Documents, and payable to the state of the last address we have for you in our records if a to the full extent permitted by applicable law. You also agree that any transaction or specified period of time has passed and you do not: activity you perform or conduct after you become of age and are no longer a minor • Make a deposit or withdrawal, or is a ratification of all transactions and activity on the account by you or any other • Inquire about or take any other action in connection with your account. accountholder during the time you were a minor. If there is more than one minor on this account, each minor on the account to come of age has the obligations set forth in the In addition, if you do not initiate activity in the account for a substantial period of preceding paragraph with respect to any accountholder who is still a minor. time, we will treat your account as being dormant. In that event, you agree that, unless prohibited by law, we may charge dormant account fees on your account in Power of Attorney addition to other charges. In addition, we may stop sending you periodic statements or providing you other information on your account. If you sign a power of attorney appointing an attorney or agent to conduct business for your account, you must do so on a form acceptable to us. Subject to applicable Transferring Ownership law, we reserve the right to refuse to honor any power of attorney presented to us, as Your account cannot be transferred or assigned without our consent. If we consent, you provide us with all information we request and if you sign any forms we will give you or that we approve. If there are two or more of you, we may require all of you to

56 57 sign. We must approve any pledge of this account and any pledge remains subject to procedures. We are not responsible for stopping payment of any item if we have not any rights we have under these Rules and Regulations and applicable law, including had a reasonable time to act on your stop payment order. Also, you must indemnify but not limited to our right of set-off. We may require the account to be closed and a us and hold us harmless from any liability or loss (including reasonable attorneys’ new account to be opened in the name of the transferee or pledge. fees) we have because we complied with your order. If there is more than one account owner, any one of you may place a stop payment If You Owe Us Money order. A stop payment order is effective for six months, but will lapse after 14 days if If any of you owe us money which is due, whether jointly with another or individually, the original order was oral and was not confirmed in writing within that 14-day period. you agree that, unless prohibited by law, we may use the money in your account to Our acceptance of a stop payment order will not constitute a representation that the pay the debt, regardless of the source of the funds in the account. This is our right of item has not already been paid or that we have a reasonable opportunity to act upon set-off. We will not be liable for the dishonor of any check from your money market the order. You may not stop payment on a money order or check (such as an official, account or other item, entry or transaction from your account when the dishonor certified, cashier’s or teller’s check) issued by us, or request us to stop payment if occurs because we set off a debt against your account. You agree to indemnify and we have otherwise become accountable for the item. In addition, you may not stop hold us harmless from any claim (including reasonable attorneys’ fees) arising as a payment on checks governed by separate agreement, such as a check guaranty result of our exercise of our right of set-off. If your account is a joint account, each of agreement. Further, you may not stop payment on an item after acceptance of the you also agrees that you are responsible to pay any overdraft created on your account item by us. by any of you or as a result of fees or charges posted to your account. Alert and Text Services Communications with You, Including to Cell Phones You may choose to enroll in our mobile text messaging and alert services (collectively, In order for us to service your Account or to collect any amounts you owe, you agree “Text Services”). By receiving or otherwise using Text Services, you agree to the and consent that we or a third party acting on our behalf may from time to time: following terms. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services • Make telephone calls and/or send text messages to you at any telephone number(s) provider is acting as your agent in this capacity. We may use a telephone number, you give to us or that we otherwise have for you or your Account, including wireless e-mail address or other delivery location we have in our records for you or other such (cell phone) telephone numbers that could result in charges to you. contact information as you may provide to us for the Text Services so that we may • Use any technology available at the time to make telephone calls and/or send text send you certain information about your applicable account. Additionally, you agree messages to you, including but not limited to the use of prerecorded/artificial voice to indemnify, defend and hold us harmless from and against any and all claims, messages and/or an automatic telephone dialing system. losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from • Send e-mails or any other available form of electronic communication to you at any your provision of a phone number, e-mail address, or other delivery location that is e-mail or other electronic address you give to us or that we otherwise have for you or not your own or your violation of applicable federal, state or local law, regulation or your Account. ordinance. Your obligation under this paragraph shall survive after your applicable account is closed. • Monitor and record any telephone call or other communication between you and us. The Text Services are provided for your convenience and do not replace your monthly Adverse Claims 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 Upon receipt of oral or written notice from any person or entity of a claim regarding confidential information about you such as your account activity or the status of your account, we may place a hold on your account and shall be relieved of any and your account. For a portion of the Text Services, information may be delivered to all liability for failure or refusal to honor any item drawn on your account or any other voicemail or answering machines if nobody answers the telephone. Messages may be payment, withdrawal, or transfer instruction. We have no obligation to determine the delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone merits of any claim in connection with placing or keeping the hold on your account. carriers or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, Fraud misdirected delivery or mishandling of, or inaccurate content in, the messages sent If we suspect fraud on your account or have reasonable cause to doubt collectability through the Text Services. of any deposit, we may place a hold on your account and refuse to accept deposits of The Text Services are only available to customers who have an eligible account any kind to the extent not prohibited by law. We will not be liable for the dishonor of with us. While you must have an eligible account to use the Text Services, once it is any check from your money market account or other item, entry or transaction from activated, if you have other types of accounts with us, you may have access to those your savings or money market account resulting from such hold. other accounts as well. You are responsible for any and all charges, including, but not limited to, fees Stop Payment Order associated with text messaging imposed by your communications service provider You can stop payment of a check from your money market account or similar paper or others. Message and data rates may apply. Such charges include those from your item from your savings or money market account by calling us and following our communications service provider. Message frequency depends on user preferences.

58 59 To cancel the Text Services, send STOP to 446622 at any time. For help or Closing Your Account information on the Text Services, send HELP to 446622. For additional assistance We may close your account at any time with or without cause and with or without with the Text Services, contact customer service at 1-800-480-BANK. notice to you. We will return the balance in your account, less any fees or service charges, claims, set-offs or other amounts you owe us. After your account is closed, Notices we have no obligation to pay any outstanding checks from your money market Except as otherwise required by law or provided in these Rules and Regulations, all account or accept deposits, honor any other withdrawal or transfer from your notices required to be sent to you will be effective when we mail or deliver them to account. You agree that we shall be relieved of any and all liability for refusing to the last address that we have for you in our records or when we make such notices honor any check from your money market account or other item or entry drawn on a available to you through our Internet banking services or at the last known email closed money market or savings account. Your obligations in the Account Documents address that we have for you in our records. If your account is joint, notice to any of to indemnify us survive the closing of your account. you is effective for all of you. You agree that we may send or provide by electronic communication any notice, communication, or disclosure required to be provided Change in Terms orally or in writing to you. From time to time we may change the provisions of the Account Documents. We will comply with any notice requirements under applicable law. If applicable law Disclosure of Information to Others does not specify any notice requirements for the change, we will decide what kind of We may disclose information about your account with us as follows: notice (if any) we will give you and the method of providing any such notice. We are not required to notify you of any changes in the applicable interest rate(s) or annual • To consumer reporting agencies. percentage yield(s). • In connection with audits or any sale or transfer of your account or a Huntington company or division. Electronic Documents; Document Retention • For fraud, security or risk control. You agree that any documents we provide or are required to provide to you in writing • To help complete a transaction you initiate, including information requested to verify in connection with your account, including but not limited to the Account Documents, the existence or condition of your account. statements, notices and any other documents, may be provided to you electronically and you consent to receive any such documents in electronic form. • To resolve disputes or inquiries you may have about your account. We may, in the ordinary course of business, destroy the original and/or copies of the • With your consent or at your direction, which may be oral, in writing, by telephone, electronic or other means we recognize. signature card or any other Account Documents in connection with your account after we make a record, copy, photograph, image or representation of it by electronic or • When disclosure is required by law, such as pursuant to court order, subpoena, other means for purposes of reducing paperwork storage requirements or for other legal process or government agency examination or investigation, or to protect or business reasons. You agree that such destruction does not alter the intent of the enforce our rights. parties to continue to be bound by the signature card and other Account Documents. • To companies that perform services for us in connection with your account, such as You also agree that the electronic or other record we maintain shall be treated the data processing and software companies and collection agencies. same as any original document. • As otherwise necessary to service your account or as permitted or required by law. You agree not to take any action or otherwise challenge or question the validity, enforceability or accuracy of the signature card or any Account Documents merely • In response to a request from any Huntington company. because any of such documents was provided in electronic form or because the See our separate “Customer Information Privacy Notice” for more information about original was destroyed in connection with our document retention practices. how we use customer information and your choices. Governing Law Our Other Rights The Account Documents, your account, and the services we provide in connection No course of dealing and no delay or omission on our part in exercising any of our with your account are governed by federal laws and regulations of the United States rights are a waiver by us of such rights or any other right. All of our rights under of America. In addition, with respect to fees and charges on your account that are the Account Documents are cumulative and not exclusive and may be exercised “interest” under federal law (if any), the law of the state of Ohio shall be applicable in concurrently or successively. determining the amount of interest permitted under federal law with respect to such We may pursue collection of any negative balance on your account in court or fees and charges. For all other aspects of your account, and to the extent federal laws otherwise or transfer that right to others. If we take legal action to collect any overdraft and regulations are not applicable (and only to that extent), the Account Documents, balance or other amounts you owe us in connection with your account, you agree to your account and the services provided pursuant thereto shall be governed by the law pay our reasonable attorneys’ fees and costs and expenses of collection, including but of the state where your account is maintained as determined above under “Where not limited to those incurred at trial and on any appeal. We have the right to report the Your Account is Maintained.” status and use of your account to consumer reporting agencies.

60 61 In addition, we are subject to various laws, regulations and rules of government This document is part of the Disclosure of Account Terms and Rules and Regulations agencies, local clearinghouses, card associations, automated teller machine networks for the Huntington Premier Savings Account that you are opening or for which you and other similar entities or organizations. You agree to be bound by any actions we have requested information. Additional disclosures are provided on other documents take with respect to your account in accordance with such laws, regulations and given to you at the same time as this document. rules. To the extent there is any inconsistency between the terms of the Account From time to time we may offer programs under which we may waive some of the Documents and any applicable law, regulation or rule, the terms of the Account fees described in this document, other than as contained in this document. Documents will control to the extent any such law, regulation or rule may be modified by agreement. As used in this document, “ATM” means automated teller machine. If any of the provisions of the Account Documents cannot be legally enforced, they ______will be considered changed to the extent necessary to comply with applicable law. $4 monthly savings minimum balance fee. Fee waived if the average daily balance in FOR MONEY MARKET ACCOUNTS: If your account is a money market account, the this account is $300. following additional provisions apply only to your money market account: We calculate your average daily balance by totaling the balances in your account from the end of each day in your statement cycle, and dividing that amount by the number of days in that statement cycle. However, for new accounts or closed accounts, we Withdrawals only count the number of days that the account was open during the statement cycle Except as otherwise limited by these Rules and Regulations, withdrawals from your for purposes of determining the average daily balance. account may be made by writing checks. All checks must be on forms you get from us or that we approve. You must complete the check in dark blue or black ink. Excess Debit Fee Unless otherwise required by applicable law, we will charge against your account any postdated check you have written even if it is presented before the date of the check. Each withdrawal or transfer (excluding ATM transfers, Telephone transfers, Web Bank transfers and transfers to Huntington Installment Loans) in excess We reserve the right to refuse to pay any check if there is not a sufficient amount of of 6 per calendar month (quarterly statements) or 6 per statement cycle money in your account that has been collected or if we have not learned that collection (monthly statements)...... $2 is final. We may charge a fee to the person to whom you wrote a check if that person attempts to negotiate the item with us but does not have an account with us. ATM Fees We are not responsible to take action on, or for failure to notify you, of restrictive language placed on checks, including, but not limited to, terms such as “void after Each Huntington ATM cash withdrawal, transfer or balance inquiry...... $0 90 days”, “paid in full”, “two signatures required”, “void over $100” or similar Huntington ATM mini-statements ...... $1 statements. In accordance with reasonable banking standards, most checks Each non-Huntington ATM transaction ...... $2 are processed through automated processing systems and, except in limited You will be responsible for any additional fees for ATM transactions charged by the circumstances and in our discretion, most items are not individually examined. You owner of a non-Huntington ATM, and such fees may be included as part of the agree that we act within reasonable banking standards by processing most checks withdrawal amount. through automated processing systems.

Our Liability OVERDRAFTS You are responsible for the condition of a check when you issue it. If a check is An overdraft occurs when you do not have enough money in your account to cover returned or payment is delayed as a result of any writing or marking that you or a prior a transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, indorser placed on the front or back of the check, you will be responsible for any cost but we are not required to do so and we may return the item or entry instead. We and liabilities in connection with such return or delay. charge fees for paying overdraft items or entries or for returning them. However, we will not charge any fees resulting from paying overdrafts for ATM and one-time RRSAVINGSMMA RRPREMSAVINGS (07/14) (everyday) debit card transactions if you have not asked us to authorize and pay these transactions.

VII. PERSONAL ACCOUNT CHARGES FORM FOR PERSONAL SAVINGS Overdraft Fee and Return Fee AND MONEY MARKET ACCOUNTS We determine the amount of the fee for overdraft or returned items or entries on any Premier Savings Account given day based on the total number of occurrences during the 1-year period ending and including that day: Effective 7/2014 OCCURRENCES OVERDRAFT FEE RETURN FEE This document contains our schedule of personal account charges for the Huntington Premier Savings Account, which is a consumer deposit account. Other consumer 1 $23 per item $23 per item deposit accounts have a separate schedule of personal account charges. 2+ $37.50 per item $37.50 per item

62 63 Occurrences: An “occurrence” means a day for which there is at least one item 24-Hour Grace does not apply to Extended Overdraft Fees or Return Fees, nor does it or entry in your account to cover, whether we pay or return the item or entry and affect the number of overdraft occurrences for purposes of determining the amount of whether or not we charge a fee. an Overdraft Fee. Overdraft Fee: For paying each item or entry that overdraws your account. Examples Please visit huntington.com/grace for further details about this service. are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATM withdrawal or other electronic means. There is a limit of 4 overdraft fees per day and Fees for Other Checking and Savings Account Services we will not charge the fee unless your account is overdrawn by $5 or more. • Returned Deposit Item Fee...... $10 Return Fee: For returning (and not paying) each item or entry when there are not • Stop Payment (Charge not applicable to Savings Accounts) ...... $31 enough funds in the account. Examples are returns of checks, drafts or transfers or withdrawals by electronic means. There is a limit of 4 return fees per day. • Dormant Account Fee (per month)...... $5 Applies when there is no customer-initiated transaction for 24 months for consumer ATM & Debit Card Transactions money market and savings accounts or 6 months for consumer checking accounts. Exceptions to the fee: minor accounts and accounts with a minimum balance of We won’t authorize ATM withdrawals or debit card purchases when you don’t have $1,000. Not applicable for accounts opened in Indiana and Florida. enough available money in your account unless you opt in to debit overdraft service. Learn more at huntington.com/disclosures/regeoddisclosure.pdf. • Monthly Hold Mail Fee...... $5 Also, these types of transactions may cause a pending authorization until the • Early Account Closing Fee (within 180 days of opening)...... $25 transaction is finally settled later that day or in the next few days. See your account • Each non-Huntington ATM transaction...... $2 Rules and Regulations under “Special Rules for Pending Transactions”. The amount You will be responsible for any surcharge assessed by the owner of a non- of the pending authorization may not be available to pay other items. This may cause Huntington ATM or other terminal. If a surcharge is imposed, it may be included as checks or other items to overdraw your account or to be returned unpaid. However, part of the withdrawal amount. we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a • Money Order charge pending authorization. – Huntington customers...... $5 When ATM and debit card transactions settle for payment, they may cause an overdraft if there is not enough available money in your account at that time. In that – Non-Huntington customers...... $6 case, we will charge an Overdraft Fee unless you have opted out of debit overdraft • Cashier’s Check charge service. – Huntington customers...... $6 – Non-Huntington customers...... $15 24-Hour Grace® • Traveler’s Cheque charge for individuals For any business day that your account is overdrawn at the end of the day and one or more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account – Huntington customers...... 2% of face value is not overdrawn by more than $4.99 at the end of the next business day. A “business – Non-Huntington customers...... 3% of face value day” does not include Saturdays, Sundays or federal holidays, even if one or more of our branches are open on those days. For example, we will waive Overdraft Fees • Traveler’s Cheque for Two charge incurred on Friday if your account is not overdrawn by more than $4.99 at the end of – Huntington customers...... 2.5% of face value the business day on the following Monday. – Non-Huntington customers...... 3% of face value Any deposit or transfer to cure the overdraft must be made prior to midnight at the • Fee for Wire Transfer end of that next business day. In figuring the amount needed to cure the overdraft, remember to take into consideration other transactions that may be posted to – Domestic Outgoing ...... $25 your account that will affect the amount needed to cure. Examples of such other – Domestic Incoming...... $15 transactions are checks, withdrawals, transfers, purchases, payments or other debits. – Foreign/International Outgoing...... $75 We do not become aware of these other transactions until they are presented to us for payment or settlement. Transactions affecting your account are presented to us – Foreign/International Incoming...... $15 all during the next business day on which you need to cure. We do not completely Form: RRPREMSAVINGSRPAC - (07/14) know all transactions that will be presented for that next business day until we finish processing after the end of that next business day. Thus, during the time you have to cure on the next business day, only you know all of your transactions that may affect the amount needed to cure.

64 65 Premier Money Market Account Overdraft Fee and Return Fee We determine the amount of the fee for overdraft or returned items or entries on any Effective 7/2014 given day based on the total number of occurrences during the 1-year period ending This document contains our schedule of personal account charges for the Huntington and including that day: Premier Money Market Account, which is a consumer deposit account. Other consumer deposit accounts have a separate schedule of personal account charges. OCCURRENCES OVERDRAFT FEE RETURN FEE This document is part of the Disclosure of Account Terms and Rules and Regulations 1 $23 per item $23 per item for the Huntington Premier Money Market Account that you are opening or for 2+ $37.50 per item $37.50 per item which you have requested information. Additional disclosures are provided on other documents given to you at the same time as this document. Occurrences: An “occurrence” means a day for which there is at least one item From time to time we may offer programs under which we may waive some of the or entry in your account to cover, whether we pay or return the item or entry and fees described in this document, other than as contained in this document. whether or not we charge a fee. As used in this document, “ATM” means automated teller machine. Overdraft Fee: For paying each item or entry that overdraws your account. Examples are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATM ______withdrawal or other electronic means. There is a limit of 4 overdraft fees per day and $10 monthly maintenance fee. Fee waived if the average daily balance in this account we will not charge the fee unless your account is overdrawn by $5 or more. is $2,000. Return Fee: For returning (and not paying) each item or entry when there are not We calculate your average daily balance by totaling the balances in your account from enough funds in the account. Examples are returns of checks, drafts or transfers or the end of each day in your statement cycle, and dividing that amount by the number withdrawals by electronic means. There is a limit of 4 return fees per day. of days in that statement cycle. However, for new accounts or closed accounts, we only count the number of days that the account was open during the statement cycle ATM & Debit Card Transactions for purposes of determining the average daily balance. We won’t authorize ATM withdrawals or debit card purchases when you don’t have enough available money in your account unless you opt in to debit overdraft service. Excess Debit Fee Learn more at huntington.com/disclosures/regeoddisclosure.pdf. Each withdrawal or transfer (excluding ATM transfers, Telephone transfers, Also, these types of transactions may cause a pending authorization until the Web Bank transfers and transfers to Huntington Installment Loans) in excess transaction is finally settled later that day or in the next few days. See your account of 6 per calendar month (quarterly statements) or 6 per statement cycle Rules and Regulations under “Special Rules for Pending Transactions”. The amount (monthly statements)...... $2 of the pending authorization may not be available to pay other items. This may cause checks or other items to overdraw your account or to be returned unpaid. However, ATM Fees we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a Each Huntington ATM cash withdrawal, transfer or balance inquiry...... $0 pending authorization. Huntington ATM mini-statements ...... $1 When ATM and debit card transactions settle for payment, they may cause an overdraft if there is not enough available money in your account at that time. In that Huntington extended statements ...... $2 case, we will charge an Overdraft Fee unless you have opted out of debit overdraft Each non-Huntington ATM transaction ...... $2 service. You will be responsible for any additional fees for ATM transactions charged by the owner of a non-Huntington ATM, and such fees may be included as part of the Extended Overdraft Fee withdrawal amount. If your account is overdrawn 5 or more consecutive days, we will charge an extended overdraft fee of $25. For each subsequent week your account is continuously OVERDRAFTS overdrawn, we will charge $25 per week. There is a maximum of four $25 fees during each continuous overdraft period. No fee if balance is overdrawn by less than $10. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, but we are not required to do so and we may return the item or entry instead. However, 24-Hour Grace® we will not charge any fees resulting from paying overdrafts for ATM and one-time For any business day that your account is overdrawn at the end of the day and one or (everyday) debit card transactions if you have not asked us to authorize and pay more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account these transactions. is not overdrawn by more than $4.99 at the end of the next business day. A “business day” does not include Saturdays, Sundays or federal holidays even if one or more

66 67 of our branches are open on those days. For example, we will waive Overdraft Fees – Non-Huntington customers...... 3% of face value incurred on Friday if your account is not overdrawn by more than $4.99 at the end of • Traveler’s Cheque for Two charge the business day on the following Monday. – Huntington customers...... 2.5% of face value Any deposit or transfer to cure the overdraft must be made prior to midnight at the end of that next business day. In figuring the amount needed to cure the overdraft, – Non-Huntington customers...... 3% of face value remember to take into consideration other transactions that may be posted to • Fee for Wire Transfer your account that will affect the amount needed to cure. Examples of such other – Domestic Outgoing ...... $25 transactions are checks, withdrawals, transfers, purchases, payments or other debits. We do not become aware of these other transactions until they are presented to us – Domestic Incoming...... $15 for payment or settlement. Transactions affecting your account are presented to us – Foreign/International Outgoing...... $75 all during the next business day on which you need to cure. We do not completely – Foreign/International Incoming...... $15 know all transactions that will be presented for that next business day until we finish processing after the end of that next business day. Thus, during the time you have to Form: RRPREMMKTRPAC - (07/14) cure on the next business day, only you know all of your transactions that may affect the amount needed to cure. Premier Plus Money Market Account 24-Hour Grace does not apply to Extended Overdraft Fees or Return Fees, nor does it affect the number of overdraft occurrences for purposes of determining the amount of Effective 7/2014 an Overdraft Fee. This document contains our schedule of personal account charges for the Huntington Please visit huntington.com/grace for further details about this service. Premier Plus Money Market Account, which is a consumer deposit account. Other consumer deposit accounts have a separate schedule of personal account charges. Fees for Other Checking and Savings Account Services This document is part of the Disclosure of Account Terms and Rules and Regulations • Returned Deposit Item Fee...... $10 for the Huntington Premier Plus Money Market Account that you are opening or for which you have requested information. Additional disclosures are provided on other • Stop Payment (Charge not applicable to Savings Accounts) ...... $31 documents given to you at the same time as this document. • Dormant Account Fee (per month)...... $5 From time to time we may offer programs under which we may waive some of the Applies when there is no customer-initiated transaction for 24 months for consumer fees described in this document, other than as contained in this document. money market and savings accounts or 6 months for consumer checking accounts. Exceptions to the fee: minor accounts and accounts with a minimum balance of As used in this document, “ATM” means automated teller machine. $1,000. Not applicable for accounts opened in Indiana and Florida. ______• Monthly Hold Mail Fee...... $5 $20 monthly maintenance fee. Fee waived if the average daily balance in this account • Early Account Closing Fee (within 180 days of opening)...... $25 is $20,000. • Each non-Huntington ATM transaction...... $2 We calculate your average daily balance by totaling the balances in your account from You will be responsible for any surcharge assessed by the owner of a non- the end of each day in your statement cycle, and dividing that amount by the number Huntington ATM or other terminal. If a surcharge is imposed, it may be included as of days in that statement cycle. However, for new accounts or closed accounts, we part of the withdrawal amount. only count the number of days that the account was open during the statement cycle • Money Order charge for purposes of determining the average daily balance. – Huntington customers...... $5 Excess Debit Fee – Non-Huntington customers...... $6 Each withdrawal or transfer (excluding ATM transfers, Telephone transfers, • Cashier’s Check charge Web Bank transfers and transfers to Huntington Installment Loans) – Huntington customers...... $6 In excess of 6 per period...... $2 – Non-Huntington customers...... $15 ATM Fees • Traveler’s Cheque charge for individuals Each Huntington ATM cash withdrawal, transfer or balance inquiry...... $0 – Huntington customers...... 2% of face value Huntington ATM mini-statements ...... $1 Huntington extended statements ...... $2

68 69 Each non-Huntington ATM transaction ...... $2 Extended Overdraft Fee You will be responsible for any additional fees for ATM transactions charged by the If your account is overdrawn 5 or more consecutive days, we will charge an extended owner of a non-Huntington ATM, and such fees may be included as part of the overdraft fee of $25. For each subsequent week your account is continuously withdrawal amount. overdrawn, we will charge $25 per week. There is a maximum of four $25 fees during each continuous overdraft period. No fee if balance is overdrawn by less than $10. OVERDRAFTS 24-Hour Grace® An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We may pay overdrafts at our sole discretion, but For any business day that your account is overdrawn at the end of the day and one or we are not required to do so and we may return the item or entry instead. However, more Overdraft Fees are incurred, we will waive those Overdraft Fees if your account we will not charge any fees resulting from paying overdrafts for ATM and one-time is not overdrawn by more than $4.99 at the end of the next business day. A “business (everyday) debit card transactions if you have not asked us to authorize and pay day” does not include Saturdays, Sundays or federal holidays even if one or more these transactions. of our branches are open on those days. For example, we will waive Overdraft Fees incurred on Friday if your account is not overdrawn by more than $4.99 at the end of Overdraft Fee and Return Fee the business day on the following Monday. We determine the amount of the fee for overdraft or returned items or entries on any Any deposit or transfer to cure the overdraft must be made prior to midnight at the given day based on the total number of occurrences during the 1-year period ending end of that next business day. In figuring the amount needed to cure the overdraft, and including that day: remember to take into consideration other transactions that may be posted to your account that will affect the amount needed to cure. Examples of such other OCCURRENCES OVERDRAFT FEE RETURN FEE transactions are checks, withdrawals, transfers, purchases, payments or other debits. 1 $23 per item $23 per item We do not become aware of these other transactions until they are presented to us for payment or settlement. Transactions affecting your account are presented to us 2+ $37.50 per item $37.50 per item all during the next business day on which you need to cure. We do not completely know all transactions that will be presented for that next business day until we finish Occurrences: An “occurrence” means a day for which there is at least one item processing after the end of that next business day. Thus, during the time you have to or entry in your account to cover, whether we pay or return the item or entry and cure on the next business day, only you know all of your transactions that may affect whether or not we charge a fee. the amount needed to cure. Overdraft Fee: For paying each item or entry that overdraws your account. Examples 24-Hour Grace does not apply to Extended Overdraft Fees or Return Fees, nor does it are overdrafts created by check, draft, in-person withdrawal, debit card purchase, ATM affect the number of overdraft occurrences for purposes of determining the amount of withdrawal or other electronic means. There is a limit of 4 overdraft fees per day and an Overdraft Fee. we will not charge the fee unless your account is overdrawn by $5 or more. Please visit huntington.com/grace for further details about this service. Return Fee: For returning (and not paying) each item or entry when there are not enough funds in the account. Examples are returns of checks, drafts or transfers or Fees for Other Checking and Savings Account Services withdrawals by electronic means. There is a limit of 4 return fees per day. • Returned Deposit Item Fee...... $10 ATM & Debit Card Transactions • Stop Payment (Charge not applicable to Savings Accounts) ...... $31 We won’t authorize ATM withdrawals or debit card purchases when you don’t have • Dormant Account Fee (per month)...... $5 enough available money in your account unless you opt in to debit overdraft service. Applies when there is no customer-initiated transaction for 24 months for consumer Learn more at huntington.com/disclosures/regeoddisclosure.pdf. money market and savings accounts or 6 months for consumer checking accounts. Also, these types of transactions may cause a pending authorization until the Exceptions to the fee: minor accounts and accounts with a minimum balance of transaction is finally settled later that day or in the next few days. See your account $1,000. Not applicable for accounts opened in Indiana and Florida. Rules and Regulations under “Special Rules for Pending Transactions”. The amount • Monthly Hold Mail Fee...... $5 of the pending authorization may not be available to pay other items. This may cause • Early Account Closing Fee (within 180 days of opening)...... $25 checks or other items to overdraw your account or to be returned unpaid. However, we will not charge Overdraft Fees or Return Fees for overdrafts or returns caused by a • Each non-Huntington ATM transaction...... $2 pending authorization. You will be responsible for any surcharge assessed by the owner of a non- Huntington ATM or other terminal. If a surcharge is imposed, it may be included as When ATM and debit card transactions settle for payment, they may cause an part of the withdrawal amount. overdraft if there is not enough available money in your account at that time. In that case, we will charge an Overdraft Fee unless you have opted out of debit overdraft • Money Order charge service. – Huntington customers...... $5 – Non-Huntington customers...... $6 70 71 • Cashier’s Check charge Renewal and Maturity Date – Huntington customers...... $6 The Certificate of Deposit for your account will indicate whether your account is – Non-Huntington customers...... $15 automatically renewable or non-renewable. It will also contain the original maturity date. • Traveler’s Cheque charge for individuals – Huntington customers...... 2% of face value The following accounts are not automatically renewable: – Non-Huntington customers...... 3% of face value • Accounts for public funds. • Accounts with an opening balance of $100,000 or more with a term to maturity of • Traveler’s Cheque for Two charge less than 30 days. – Huntington customers...... 2.5% of face value All other accounts are automatically renewable unless we specifically agree with you – Non-Huntington customers...... 3% of face value to make your account not automatically renewable. • Fee for Wire Transfer If your account is automatically renewable, you have a grace period of 10 days – Domestic Outgoing ...... $25 after the maturity date to withdraw the funds without being charged a penalty (see – Domestic Incoming...... $15 “WITHDRAWALS OF PRINCIPAL”). Your account will be renewed without any further action on your part on the original and any subsequent maturity date for any balance – Foreign/International Outgoing...... $75 not withdrawn within the grace period. In that case, except as otherwise provided – Foreign/International Incoming...... $15 in these Rules and Regulations or for any changes made in accordance with these Rules and Regulations, the terms and provisions governing your account during any renewal term will be the same as for the immediately prior term. Stepped-rate Form: RRPREMPLUSMKTRPAC - (07/14) accounts and linked accounts renew at the end of the original term, and for any subsequent renewal term, into a fixed-rate account. If your account is non-renewable, it will mature on the maturity date shown on VIII. CERTIFICATE OF DEPOSIT ACCOUNT AGREEMENT AND DISCLOSURE OF the Certificate of Deposit. See “WHEN INTEREST IS EARNED AFTER MATURITY ACCOUNT TERMS AND RULES AND REGULATIONS ON AMOUNTS WITHDRAWN” for provisions describing interest after maturity on “You” and “your” mean the owner(s) of the account. “We,” “us” and “our” mean The amounts withdrawn. Huntington National Bank. Bonuses This Certificate of Deposit Account Agreement and Disclosure of Account Terms and Rules and Regulations (the “Rules and Regulations”) applies to the certificate If we offer any bonus in connection with opening your account, we will provide of deposit account you are opening with us. If we are providing you with these Rules information about the bonus on a separate document given to you along with these and Regulations for an existing account, these Rules and Regulations replace any Rules and Regulations. prior rules and regulations or account agreement for that existing account. If we are providing these Rules and Regulations only in response to a request for information Minimum Balance to Open Your Account about certificate of deposit accounts, then we are not opening an account for you. The minimum deposit required to open your account is set forth on the Certificate of At account opening you will receive a Certificate of Deposit showing the amount Deposit (new accounts) or a current rate sheet (information requests only). you are depositing and certain other terms of your account. A certificate of deposit account generally is an account where you agree to deposit a certain amount of Additional Requirements for Linked Accounts funds for a stated period of time. This account is NON-NEGOTIABLE AND NON- If your account is a linked account, there are two additional requirements in order to TRANSFERABLE. open this account. These Rules and Regulations, the Certificate of Deposit provided at account opening, First, you must designate to us another qualifying deposit account with us to which all any signature card for your account and any other documents for your account interest earned on this account will be paid. We call this other account the “Interest (but not including marketing materials) are collectively referred to as the “Account Receivable Account.” Any other personal checking account, money market deposit Documents.” You agree to all of the provisions contained in the Account Documents account or savings account with us qualifies as the Interest Receivable Account as and all of our procedures which govern certificate of deposit accounts. long as the ownership of that account is the same as the ownership of this account. The Certificate of Deposit will show whether your account is a “fixed-rate account,” Business accounts do not qualify as an Interest Receivable Account. Second, the a “stepped-rate account” or a “variable-rate account.” A variable-rate account is original term of your account must be greater than 1 year. referred to below in these Rules and Regulations as a “linked account.”

72 73 Making Deposits deposit (including, but not limited to, markings that obscure a properly placed bank Subject to the limitations on deposits described in these Rules and Regulations (see indorsement). “DEPOSIT LIMITATIONS”), you may make deposits to your account in any manner we permit at any time our banking offices or other deposit-taking facilities are available. Deposit Limitations All deposits are made subject to our verification procedures and the terms and No deposits other than the opening deposit may be made to automatically renewable conditions on our deposit slip or depository envelope (if any). We may refuse, limit or accounts, except for additional deposits of at least $100 made during the grace return deposits for any reason and at any time, including but not limited to deposits period within 10 days after any maturity date (but at least 7 days prior to any other made at our banking offices or when we or others process the deposit for collection. maturity date), subject to the following: Any of you may make deposits or, when permitted by law or by the terms of the item, • If the balance in the account on the opening date is less than $100,000, then indorse the other’s checks or other items for deposit to your account. We may treat such additional deposits are only permitted if they do not cause the balance in the any deposit made on a day that is not a business day (such as Saturdays, Sundays account to equal or exceed $100,000. and holidays) as if made on our next business day. • If the balance in the account on the opening date is $100,000 or more, then such You authorize us to accept checks and other items and entries (“deposited items”) additional deposits are only permitted if they do not cause the balance in the for deposit to your account if they are made payable to, or to the order of, any one account to equal or exceed $1,000,000. or more of you, whether or not they are indorsed by you. You authorize us to supply We may also limit the manner in which such deposits may be made (for example, missing indorsements and you warrant that all indorsements are genuine. We will we may prohibit additional deposits made by electronic funds transfer). No deposits act as your agent in collecting the money for deposited items. We will be careful other than the opening deposit may be made to non-renewable accounts. Additional in making collections, but we will not be responsible for losses caused by you or deposits do not change the terms of your account (other than the amount on deposit). others in the collection process. We may credit your account for the amount of deposited items, subject to actually collecting the money for them. However, subject to applicable federal law, we reserve the right to wait until we have actually received Withdrawals in General the money for deposited items before we credit your account, and to receive deposits Subject to the terms of these Rules and Regulations, any withdrawal(s) may be subject to special conditions. made in person or in any manner we permit. Any withdrawal(s) will be subject If we credit your account for the amount of any deposited item and it is returned for to any required tax withholding. Withdrawals of principal are covered under any reason, we may withdraw that amount from your account. We may do this even the “WITHDRAWALS OF PRINCIPAL” section of these Rules and Regulations. before a deposited item is returned to us if we have good reason to believe it cannot Withdrawals of interest are covered under the last paragraph of the “RATE be collected or is being returned. You will be responsible for, and agree to indemnify INFORMATION” section of these Rules and Regulations. us and hold us harmless from, any liability, loss or expense (including reasonable attorneys’ fees) arising from a deposited item that is returned to us, even after it is Withdrawals of Principal initially paid, for an alleged breach of warranty under applicable law or other reason By depositing funds in your account, you agree to keep your funds on deposit for not caused by us, including, but not limited to, a claim of forged or unauthorized a stated length of time. In accordance with these Rules and Regulations, you may indorsement, a claim of alteration or a claim that a remotely created check (a check make withdrawal(s) of principal from your account as follows: that does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn) is not authorized. • If this is an automatically renewable account, you may withdraw principal on any maturity date or within the grace period of 10 days after any maturity date, but only with If you make a deposit in foreign currency, we will post the transaction in U.S. dollars respect to funds that were on deposit for at least 6 days prior to that maturity date. based on the currency exchange rate in effect on the day we settle the transaction. The currency exchange rate may be different on that day than on the day we • If this is a non-renewable account, you may withdraw principal at any time on or processed the transaction. There may be special currency exchange charges. This after the maturity date, but only when such funds have been on deposit for at least may result in your account being posted for a greater or lesser amount than the 6 days prior to the date withdrawn. original amount of the transaction. There is no early withdrawal penalty for any withdrawal(s) of principal that you make All deposited items must be completed in dark blue or black ink. You may not deposit as set forth above. a substitute check with us unless 1) we otherwise agree in a separate writing with you Except as provided above, you are not permitted to make any withdrawal(s) of or 2) a check that you deposit is returned to you as a substitute check for the first principal unless we, in our sole discretion, allow the withdrawal(s). If we, in our time. You will be responsible for, and agree to indemnify us and hold us harmless sole discretion, allow you to make withdrawal(s) of principal at other times, your from, any liability, loss or expense (including reasonable attorneys’ fees) arising from account will be subject to an early withdrawal penalty as set forth under “EARLY a deposited check that is not completed in dark blue or black ink, or a deposited WITHDRAWAL PENALTY.” We may limit or prohibit partial withdrawals of principal substitute check that violates this paragraph. In addition, you will be responsible for, and require any withdrawal of principal to be a withdrawal of the entire amount of and agree to indemnify us and hold us harmless from, any liability, loss or expense principal in the account. (including reasonable attorneys’ fees) arising from a delay in return caused by any condition of a deposited check arising after it is issued and before we accept it for

74 75 Early Withdrawal Penalty The early withdrawal penalty will also apply any time(s) we withdraw principal from If your account is a fixed-rate account or a linked account, the amount of the penalty your account as a result of exercise of our right of set off or pursuant to any legal for early withdrawal of principal from your account during the original or any renewal process, such as a garnishment, levy or court order, or the provisions of any security term of this account is calculated at the simple (non-compounded) interest rate in agreement or because of a returned deposited item or because we close your effect at the time of early withdrawal for the applicable penalty period shown in the account. The amount paid to you for an early withdrawal will be: (i) the amount of table below on the amount of principal withdrawn. principal withdrawn early, plus (ii) the amount of any accrued or paid interest also withdrawn at that time, minus (iii) the amount of the applicable early withdrawal If your account is a stepped-rate account, the amount of the penalty for early penalty. However, in the case of a partial early withdrawal, we may deduct any withdrawal of principal from your account (i) during any renewal term of this account applicable early withdrawal penalty from the amount withdrawn or from the balance is calculated as described in the prior paragraph and (ii) during the original term of remaining in the account or partly from either. this account is calculated at the average simple (non-compounded) interest rate for the applicable penalty period shown in the table below on the amount of principal Account Balance withdrawn. The “average simple (non-compounded) interest rate” is determined by averaging the monthly interest rates in effect during the term of this account through The Certificate of Deposit indicates the amount of your initial deposit. This amount the date of withdrawal, with each partial month treated as a full month. does not necessarily represent the balance in your account at all times. The balance in your account will be rebuttably presumed to be the amount shown on our For original and renewal terms of fixed-rate accounts and linked accounts, and for electronic data processing system. renewal term of stepped-rate accounts: TERM OF ACCOUNT INTEREST PENALTY PERIOD Rate Information 91 days or less Full term of the account If your account is a fixed-rate account, the interest rate and annual percentage yield 92 days to 1 year 3 months for the original term is shown on the Certificate of Deposit. The interest rate for the original term will be in effect until the maturity date for the original term. We will More than 1 year to 18 months 6 months determine the interest rate applicable for any renewal term as of the maturity date for the prior term. More than 18 months 12 months If your account is a stepped-rate account, the applicable interest rate and the period For original term of stepped-rate accounts: of time for which each applicable interest rate will be paid during the original term, and the annual percentage yield, are shown on the Certificate of Deposit. The interest TERM OF ACCOUNT INTEREST PENALTY PERIOD rate applicable to any renewal term is a single fixed rate that we will determine as of 24 months, withdrawal in the first 12 months 3 months the maturity date for the prior term. 24 months, withdrawal after the first 12 months None If your account is a linked account, the beginning interest rate and annual percentage yield for the original term is shown on the Certificate of Deposit under the heading 48 months, withdrawal in the first 24 months 12 months “Variable-Rate Account.” If the Interest Receivable Account is closed during the original term of your account and you do not at that time designate to us another 48 months, withdrawal after the first 24 months None qualifying account with us as the Interest Receivable Account, the “Alternate Interest Rate” and related annual percentage yield shown on the Certificate of Deposit will Furthermore, the minimum early withdrawal penalty is 7 days’ simple (non- apply for the remainder of the original term. We will determine the interest rate compounded) interest on the amount of principal withdrawn (i) within the first 6 days applicable for any renewal term as of the maturity date for the prior term, and that after deposit or (ii) within 6 days after each partial withdrawal. Other than the early rate will be a single fixed rate throughout that renewal term and there will no longer withdrawal penalty set forth in the preceding sentence, there is no early withdrawal be any requirement to maintain the Interest Receivable Account in order to obtain penalty for accounts opened and held by Chapter 7 bankruptcy estates. that interest rate. The number of days’ or months’ interest that constitutes the early withdrawal The annual percentage yield assumes interest will remain on deposit until maturity. penalty is applicable even if the funds have not been on deposit in the account for A withdrawal of interest before maturity will reduce earnings. Any applicable early that number of days or months. If the amount of interest earned or accrued on the withdrawal penalty will affect the amount of interest that would otherwise be earned. account or otherwise available is less than the early withdrawal penalty amount, the Interest is computed on your account using the daily periodic rate and the applicable balance of the early withdrawal penalty will come from principal in the account. If that compounding method. We compute interest for your account at one of the following occurs, the early withdrawal penalty will result in a reduction in the principal sum of daily periodic rates as shown on the Certificate of Deposit: your account. • 1/365th (1/366th in a leap year) of the annual interest rate for each day for fixed- We may in our sole discretion waive the early withdrawal penalty for a withdrawal of rate accounts, stepped-rate accounts and linked accounts. the entire balance of principal after any one of you dies or is determined to be legally • 1/360th of the annual interest rate for each day for public funds, regardless of type incompetent by a court or other administrative body of competent jurisdiction. of account.

76 77 Our rules for compounding interest for your account are one of the following methods When Interest Is Earned After Maturity on Amounts Withdrawn as shown on the Certificate of Deposit: If this is an automatically renewable account, interest is paid for the days on or after • Interest will be compounded daily for fixed-rate accounts and stepped-rate any maturity date on amounts withdrawn within the grace period of 10 days after accounts. that maturity date at the lower of (i) the interest rate applicable to the prior term that • There is no compounding of interest during the original term if your account ended on that maturity date or (ii) the interest rate applicable to the renewal term that is a linked account. For any renewal term of a linked account, interest will be began on that maturity date. compounded daily. If this is a non-renewable account, no interest will be paid for any days on or after the • For public funds, we pay simple interest with no compounding for accounts having maturity date. a term of 1 year or less. Interest will be compounded annually for public funds if the account has a term greater than 1 year. Our Liability Interest on your account will be paid as set forth on the Certificate of Deposit. Unless Except as otherwise provided for electronic fund transfers by applicable law or by we restrict interest payment options based on the amount on deposit or for another other agreements applicable to your account, you agree that: reason, you have the option to have interest paid monthly, quarterly, semi-annually, • If we do not properly complete a transaction according to these Rules and annually or at maturity, but not less frequently than annually. However, for a public Regulations, we will not be liable for losses or damages in excess of the amount of funds account having a maturity term of 1 year or less, the only option is to have the transaction. interest paid at maturity, and for a public funds account having a maturity term of greater than 1 year, the only option is to have interest paid annually and at maturity. • We will not be liable if circumstances beyond our control prevent the transaction or Interest may be withdrawn after it has been paid to your account. If your account is if the funds in your account are or may be subject to legal process or other claim. a linked account, the frequency and manner of payment of interest is as described • We will not be liable for any consequential damages. under “PAYMENT OF INTEREST FOR LINKED ACCOUNTS.” Where Your Account Is Maintained Payment of Interest for Linked Accounts Although you may transact business on your account at any of our banking offices The terms of this section apply if your account is a linked account. During the original in any state, you agree that your account is maintained at the banking office where term of your account, all interest must be withdrawn from the account when it is your account is opened. If you do not open your account through one of our banking payable and it must be paid to the Interest Receivable Account. If you no longer have offices, but do so remotely through the Internet, our telephone banking facility or an Interest Receivable Account, we will send you a check for the interest when it is some other means, your account will be maintained in Columbus, Ohio, unless we payable. For any renewal term, you may elect to continue to have interest withdrawn assign your account to a banking office in another location. We may change where when it is payable, or you may choose to have the interest remain in the account, but your account is maintained if we determine that it is appropriate to do so. you must tell us if you want to make a change. You have the option to have interest paid monthly, quarterly, semi-annually or Account Ownership annually. The frequency you elect will be shown on the Certificate of Deposit. The ownership of your account and the manner in which your account is held are established by the signature card or, if we no longer use a signature card, such other Balance Computation Method document or record that we use to identify ownership (referred to in these Rules and We use the daily balance method to calculate the interest on your account. This Regulations as the “signature card”). If the signature card for your account is lost or method applies a daily periodic rate to the principal balance in the account at the unavailable or ownership cannot be determined from the signature card, we will use end of each day (including any interest added to principal for the purpose of any other evidence available in our records, as we determine, to identify ownership and compounding applicable to your account) to determine the interest earned for that the manner in which your account is held. day. Joint Accounts When Interest Begins to Accrue Two or more individuals may open a joint account. Except as otherwise limited by Interest begins to accrue on cash and non-cash deposits on the day you deposit these Rules and Regulations, we may allow any of you to: funds, except if the deposit is made on any day that is not a business day (such as • Deposit to your account. Saturdays, Sundays and holidays), interest begins to accrue on our next business day. • Pledge the entire account or any portion of it to secure any of the obligations of any of you. • Withdraw from or conduct business on your account for all or any part of the balance.

78 79 • Transfer ownership of your account. Informal Trust Accounts • Authorize someone else to conduct business on your account. We may allow your account to be held as an informal trust account. An informal trust • Close your account. account (also known as a “Totten Trust”) is an account owned by a trustee and shown We do not have to consider the source of funds in your account when we allow you as a trust account on our records, but without a written trust agreement separate to do any of these things. You agree that any withdrawal by any of you is presumed from your account. The beneficiaries of an informal trust account have no right to any to be for the benefit of each of you. You also agree that, when permitted by law or by funds in the account during the lifetime of the trustee. The trustee is the owner of the the terms of the item, each of you may indorse the other’s checks or other items for account and may withdraw money from the account and may, by written direction deposit. to us, change the beneficiary under the account. Upon the death of the trustee, the account is then owned by the named beneficiary or beneficiaries in our records. If If we believe there is a dispute between joint account owners or if we receive there is no surviving beneficiary, applicable state law will determine ownership of the inconsistent instructions from joint account owners, we may suspend or close the funds in the account. If the account is held by more than one trustee, the trustees are account, require a court order to act and/or require that all joint account owners subject to the provisions of these Rules and Regulations applicable to joint account agree in writing to any transactions concerning the account. If one or more of the joint ownership. owners becomes a ward of a guardianship, conservatorship or similar proceeding, we may require all remaining joint owners and the guardian/conservator to divide the Accounts Payable on Death money in the account and open a separate account for the ward. We may allow your account to be made payable on death (“POD”), if all of the Joint Account Survivorship Rights account owners are natural persons and all of such persons sign the POD agreement on the signature card for this account. Any change of designated payees in the POD If your account is in two or more names, each of you agrees that it is a joint account agreement must be signed by all account owners and delivered to us on a special with right of survivorship. If one of you dies, the balance in the account may be paid form we will give you. While any of the account owners are living, no designated to the survivor. If there is more than one survivor, the balance in the account may be payee has any rights with respect to your account. If any of the account owners paid to any of them. The survivors will still have rights of survivorship. We may make pledge the account to secure any obligations, that pledge shall take precedence over any payment referred to in this paragraph regardless of the source of the funds in the interest of any designated payee. your account. Accounts for Minors Liability of Joint Account Owners We may allow you to establish the account as a custodian for a minor beneficiary Any money deposited in a joint account by any of you is subject to being garnished under the Uniform Transfer to Minors Act or the Uniform Gifts to Minors Act or similar or levied upon by the creditors of any of you, and is subject to our right of set-off, law applicable in the state where your account is maintained (the “Minors Act”). If regardless of who owned the money, or the manner in which such money was owned, so, your rights and duties are governed by the Minors Act. You are not permitted prior to being deposited to your account. This is true even if the one of you owing us to pledge the account as collateral for any loan to you. Deposits in the account are or the other creditor money is different than the one of you who deposited the money. held by us for the exclusive right and benefit of the minor. The custodian and/or any This is also true even if the one of you owing us or the other creditor money was person opening the account, in his or her individual capacity, agrees to indemnify made a joint owner only for signing, convenience, or other purpose. us and hold us harmless from and against any and all loss, costs, damage or liability (including but not limited to reasonable attorneys’ fees) we may suffer or incur arising Formal Trust Accounts out of any action or claim by any beneficiary or other custodian with respect to the A formal trust account is an account held by one or more trustees for the benefit authority or actions taken by the custodian in handling or dealing with the account. of one or more beneficiaries under a written trust agreement separate from your account. Upon our request, the trustee(s) must provide us with a complete copy Power of Attorney of any trust agreement affecting your account, or, at our discretion, such other If you sign a power of attorney appointing an attorney or agent to conduct business document or certification that applicable law permits us to rely on as a summary or for your account, you must do so on a form acceptable to us. Subject to applicable description of the trust. We act only as a custodian of the trust funds on deposit in law, we reserve the right to refuse to honor any power of attorney presented to us, as your account. We are under no obligation to act as a trustee or to inquire as to the well as to refuse to recognize a successor attorney-in-fact at any time, whether or not powers or duties of the trustee(s). The trustee(s) and/or any person opening your the successor attorney-in-fact is specifically identified in the power of attorney. account, in their individual capacity and jointly and severally, agree to indemnify us and hold us harmless from and against any and all loss, costs, damage or liability In addition, we reserve the right to refuse to follow the instructions of an attorney-in- (including but not limited to reasonable attorneys’ fees) we may suffer or incur arising fact. The person you appoint will be subject to all of the provisions of the Account out of any action or claim by any beneficiary or other trustee with respect to the Documents. If you have a joint account, we may require each of you to consent to the authority or actions taken by the trustee(s) in handling or dealing with your account. appointment. Any person appointed as an attorney-in-fact, whether or not designated as an authorized signer on the signature card for this account, is not an owner of this account. We may honor a power of attorney until we receive written notice from you that you have revoked the power of attorney.

80 81 Garnishment and Other Legal Process Transferring Ownership We may use the money in your account to satisfy any garnishment, attachment, Your account cannot be transferred or assigned without our consent. If we consent, levy or similar legal process against any one or more of you, regardless of the source you must provide us with all information we request and sign any forms we give you of the funds in your account. You agree to pay any fees and charges we assess in or that we approve. If there are two or more of you, we may require all of you to sign. connection with garnishments, attachments, levies, support orders, court orders or We must approve any pledge of, or control agreement with respect to, this account other legal process involving your account. If you believe you have an applicable and any pledge or control agreement remains subject to any rights we have under exemption from any garnishment, attachment, levy or similar legal process, you these Rules and Regulations and applicable law, including but not limited to our right agree to notify us and the party claiming the funds from your account about any such of set-off. We may require the account to be closed and a new account to be opened exemption. in the name of the transferee or pledgee.

Non-Personal Accounts If You Owe Us Money If the account owner is not a natural person, the persons identified on our resolution If any of you owe us money which is due, whether jointly with another or individually, form for the appropriate business entity are the persons entitled to transact business you agree that, unless prohibited by applicable law, we may use the money in your on your behalf for this account. You agree that we may conclusively rely on the account to pay the debt, regardless of the source of the funds in your account. This current resolution form in our records. Not all types of certificate of deposit accounts is our right of set-off. You agree to indemnify us and hold us harmless from any claim may be available to account owners that are not natural persons. arising as a result of our exercise of our right of set-off.

Verification of Authority Adverse Claims We reserve the right, at the time of account opening and at all times thereafter, Upon receipt of oral or written notice from any person or entity of a claim regarding to require such documents and authorizations as we may deem necessary or your account, we may place a hold on your account and shall be relieved of any and appropriate to verify that the person(s) opening the account, requesting or directing all liability for failure or refusal to honor any withdrawal instruction. withdrawal of funds or the performance of other transactions or otherwise taking action with respect to the account, has the authority to do any of the foregoing. Notices Except as otherwise provided in these Rules and Regulations, all notices required No Special Access or Other Requirements to be sent to you will be effective when we mail or deliver them to the last address We are not required to honor any requests, instructions or directions from you or on that we have for you in our records or when we make such notices available to you your behalf with respect to multiple signature or multiple authorization requirements through our Internet banking services or at the last known e-mail address that we for access to your account or for any other matters with respect to your account have for you in our records. If your account is joint, notice to any of you is effective (referred to as “special requirements”). We may allow any of the persons designated for all of you. You agree that we may send or provide by electronic communication as authorized signers on the signature card or other records we maintain for your any notice, communication or disclosure required to be provided orally or in writing to account to sign items, to withdraw funds or otherwise to authorize transactions you. or other matters with respect to your account. We are not bound by any special requirements, whether or not we know about them or whether or not you include Disclosure of Information to Others them in signature cards, resolutions or other documents provided by or delivered We may disclose information about your account with us as follows: to us in connection with your account. We have no duty to monitor your account for compliance with any special requirements. We have no liability for not complying with • To consumer reporting agencies. any special requirements. • In connection with audits or any sale or transfer of your account or a Huntington company or division. Unclaimed Funds • For fraud, security or risk control. Under applicable state law, the money in your account will be considered abandoned • To help complete a transaction you initiate, including information requested to verify and payable to the state of the last address we have for you in our records if a the existence or condition of your account. specified period of time has passed and you do not: • To resolve disputes or inquiries you may have about your account. • Make a deposit or withdrawal; or • With your consent or at your direction, which may be oral, in writing, by telephone, • Inquire about or take any other action in connection with your account. electronic or other means we recognize. • When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.

82 83 • To companies that perform services for us in connection with your account, such as to that extent), the Account Documents, your account and these services shall be data processing and software companies and collection agencies. governed by the law of the state where your account is maintained as determined • As otherwise necessary to service your account, or as permitted or required by law. above under “Where Your Account Is Maintained.” Any reference in the Account Documents to “applicable law” or similar phrase shall mean the governing law as • In response to a request from any Huntington company. established by this section of these Rules and Regulations. See our separate “Customer Information Privacy Notice” for more information about how we use customer information and your choices. In addition, we are subject to various laws, regulations and rules of government agencies, local clearinghouses, card associations, automated teller machine networks and other similar entities or organizations. You agree to be bound by any actions we Recording take with respect to your account in accordance with such laws, regulations and You agree that we may record or monitor any telephone conversations you have with rules. To the extent there is any inconsistency between the terms of the Account us regarding your account. However, we are not obligated to do so and may choose Documents and any applicable law, regulation or rule, the terms of the Account not to in our sole discretion. Documents will control to the extent any such law, regulation or rule may be modified by agreement. Our Other Rights If any of the provisions of the Account Documents cannot be legally enforced, they No course of dealing and no delay or omission on our part in exercising any of our will be considered changed to the extent necessary to comply with applicable law. rights are a waiver by us of such rights or any other right. All of our rights under Last Revision Date 3/2010 the Account Documents are cumulative and not exclusive and may be exercised concurrently or successively. IX. INDIVIDUAL RETIREMENT ACCOUNT PLAN Closing Your Account “You” and “your” mean the depositor for this plan. “We,” “us” and “our” mean We may close your account at any time without notice to you if we are required to do The Huntington National Bank. so by law or by any governmental agency, or if we determine that your account should This Individual Retirement Account Plan Cash Account and Investment Account be closed as a result of your failure to provide information we request or for security Disclosure of Account Terms and Rules and Regulations (the “Rules and or other risk management reasons. Regulations”) applies to the individual retirement account plan (“IRA Plan”) you are opening with us. These Rules and Regulations and all deposits made to any Account Change in Terms opened in your IRA Plan are made pursuant to the separate custodial agreement you If your account is automatically renewable, we may change the terms of your account are entering into with us for your IRA Plan. All funds deposited to Accounts in your for the renewal term at the time of renewal. You may contact us on or after the IRA Plan are subject to these Rules and Regulations and the custodial agreement. maturity date to learn the applicable interest rate and annual percentage yield (APY) If we are providing you these Rules and Regulations for an existing IRA Plan, these for the renewal term. Rules and Regulations replace any prior rules and regulations or agreement for that You may also inquire about interest rates and APYs that we may be offering for other existing IRA Plan. If we are providing these Rules and Regulations only in response to certificate of deposit accounts. If you are interested in a different maturity term or a request for information about IRA Plans, then we are not opening an IRA Plan for interest rate and APY for the renewal term than what your account automatically you. rolled over to, you may choose from the maturity terms, interest rates and APYs we These Rules and Regulations and any signature card for your IRA Plan are collectively then currently offer and make available for this purpose to make such a change. referred to as the “Account Documents.” You agree to all of the provisions contained However, you may only request such a change if we are able to make the change in the Account Documents and all of our procedures which govern IRA Plans. within the 10-day grace period at the beginning of the renewal term. Only funds contributed to an IRA Plan established pursuant to provisions of the If this is a stepped-rate account or a linked account, we do not notify you of any Internal Revenue Code and related regulations may be deposited to the Accounts changes in the interest rate that occur in accordance with the terms of the Account under your IRA Plan. In addition to the Account Documents described above, there Documents. are additional documents which we will provide to you in connection with your IRA We will comply with any notice requirements under applicable law for any change. Plan. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any Type of Accounts such notice. The box checked on the front panel of these Rules and Regulations indicates the type of Account(s) we are opening for you in your IRA Plan or for which you Governing Law have requested information. You may choose a Cash Account and/or one or The Account Documents, your account and the services we provide in connection more Investment Accounts. Collectively, these are referred to in these Rules and with your account are governed by federal laws and regulations of the United States Regulations as the “Accounts.” Each type of Account is a deposit account with of America. To the extent federal laws and regulations are not applicable (and only us and is insured by the Federal Deposit Insurance Corporation up to applicable

84 85 coverage limits. Any reference in these Rules and Regulations to your IRA Plan collecting the money for deposited items. We will be careful in making collections, includes all of the Accounts within your IRA Plan. but we will not be responsible for losses caused by you or others in the collection process. We may credit any of your Accounts under your IRA Plan for the amount of Renewal of Investment Accounts deposited items, subject to actually receiving the money for them. However, subject to applicable federal law, we reserve the right to wait until we have actually received the Your Investment Accounts will be automatically renewable on the original or any money for deposited items before we credit your Accounts, and to receive deposits subsequent maturity date. The original maturity date is shown on the front panel of subject to special conditions. If we credit any of your Accounts for the amount of any these Rules and Regulations. You have a grace period of 10 days after any maturity deposited item and it is returned to us for any reason, we may withdraw that amount date to withdraw the funds without being charged a penalty (see “WITHDRAWALS from the Account to which it was deposited. We may do this even before a deposited OF PRINCIPAL FROM ANY INVESTMENT ACCOUNT”). Your Investment Accounts item is returned to us if we have good reason to believe it cannot be collected or is will be renewed without any further action on your part on the original and any being returned. You will be responsible for, and agree to indemnify us and hold us subsequent maturity date for any balance not withdrawn within the grace period. harmless from, any liability, loss or expense (including reasonable attorneys’ fees) In that case, except as otherwise provided in these Rules and Regulations or for arising from a deposited item that is returned to us, even after it is initially paid, for any changes made in accordance with these Rules and Regulations, the terms and an alleged breach of warranty under applicable law or other reason not caused by us, provisions governing any Investment Account during any renewal term will be the including but not limited to, a claim of forged or unauthorized indorsement, a claim same as for the immediately prior term. of alteration or a claim that a remotely created check (a check that does not bear a See “WHEN INTEREST IS EARNED AFTER MATURITY FOR INVESTMENT signature applied, or purported to be applied, by the person on whose account the ACCOUNTS” for provisions describing interest after maturity on amounts withdrawn check is drawn) is not authorized. from any Investment Account. If you make a deposit in foreign currency, we will post the transaction in U.S. dollars based on the currency exchange rate in effect on the day we settle the transaction. Bonuses The currency exchange rate may be different on that day than on the day we If we offer any bonus in connection with your IRA Plan, we will provide information processed the transaction. There may be special currency exchange charges. This about the bonus on a separate document given to you along with these Rules and may result in your Account being posted for a greater or lesser amount than the Regulations. original amount of the transaction. All items for deposit must be completed in dark blue or black ink. You may not Making Deposits deposit a substitute check with us unless: You may make new deposits of up to the legal qualifying amount per tax year to your • We otherwise agree in a separate writing with you; or IRA Plan. You may also make qualifying rollover deposits or transfers from other • A check that you deposit is returned to you as a substitute check for the first time. qualifying retirement plans you may have. You will be responsible for, and agree to indemnify us and hold us harmless from, You may make deposits to your Cash Account at any time. Deposits that are made any liability, loss or expense (including reasonable attorneys’ fees) arising from a electronically must be in amounts of at least $25 each. There is no minimum amount deposited check that is not completed in dark blue or black ink, or a deposited for other deposits to your Cash Account. substitute check that violates this paragraph. In addition, you will be responsible for, and agree to indemnify us and hold us harmless from, any liability, loss or expense You may make deposits to a Fixed-Rate Investment Account or a Stepped-Rate (including reasonable attorneys’ fees) arising from a delay in return caused by any Investment Account only to open it or during the grace period within 10 days after condition of a deposited check arising after it is issued and before we accept it for any maturity date (but at least 7 days prior to any other maturity date). You may make deposit (including, but not limited to, markings that obscure a properly placed bank deposits to a Variable-Rate Investment Account to open it or at any time prior to 7 indorsement). days before any maturity date. The opening deposit must be at least $25. Additional deposits that are made electronically must be in amounts of at least $25 each. Withdrawals in General There is no minimum amount for any other additional deposits to a Variable-Rate Investment Account. Subject to the terms of these Rules and Regulations, any withdrawal(s) may be made in person or in any manner we permit. We will treat each withdrawal as having been All deposits are made subject to our verification procedures and the terms and made on the day we post it to your Account. conditions on our deposit slip or depository envelope (if any). We may refuse, limit or return deposits for any reason and at any time, including but not limited to deposits Any withdrawal(s) will be subject to any required tax withholding. Also, there may be made at our banking offices or when we or others process the deposit for collection. substantial tax penalties for any withdrawal(s) from your IRA Plan. We may treat any deposit made on a day that is not a business day (such as However, if you revoke your IRA Plan prior to the expiration of 7 days after the date Saturdays, Sundays and holidays) as if made on our next business day. it is established (i) the entire amount that you deposited in any Cash Account or You authorize us to accept checks and other items and entries (“deposited items”) Investment Account in your IRA Plan will be returned to you without deduction or for deposit to your Accounts if they are made payable to you or to your order, whether adjustment and (ii) no interest will be paid on the amounts deposited, but there is or not they are indorsed by you. You authorize us to supply missing indorsements otherwise no early withdrawal penalty. and you warrant that all indorsements are genuine. We will act as your agent in

86 87 Withdrawals from Your Cash Account averaging the monthly interest rates in effect during the term of the Account through Although you may normally make withdrawals from your Cash Account at any time, the date of withdrawal, with each partial month treated as a full month. under federal regulations we may require you to give us 7 days’ prior notice of any If you have a Variable-Rate Investment Account, the amount of the penalty for early withdrawal. withdrawal of principal from that Account during the original or any renewal term of Under federal regulations, you are limited to a total of no more than 6 transfers and that Account is calculated at the simple (non-compounded) interest rate in effect at withdrawals, or a combination of such transfers and withdrawals, in any calendar the time of early withdrawal for the applicable penalty period shown in the table on month to another account of yours with us or to a third party by certain methods from the following page on the amount of principal withdrawn. your Cash Account. These methods are by (i) preauthorized or automatic transfer, (ii) For original and renewal terms of Fixed-Rate Investment Accounts, and for renewal telephone agreement, order or instruction or (iii) check, draft, debit card or similar term of Stepped-Rate Investment Accounts: order payable to third parties. We do not necessarily offer any or all of these methods of withdrawal from your Cash Account. If you exceed these limits, we may refuse to TERM OF ACCOUNT INTEREST PENALTY PERIOD permit the excessive withdrawal(s), terminate your preauthorized, automatic or third- 3 months to 1 year 3 months party transfer and payment privileges, or close your Cash Account. More than 1 year to 18 months 6 months Withdrawals of Principal from Any Investment Account More than 18 months 12 months By depositing funds in an Investment Account, you agree to keep your funds on For original term of stepped-rate accounts: deposit for a stated length of time. In accordance with these Rules and Regulations, you may make withdrawal(s) of principal from any Investment Account on any TERM OF ACCOUNT INTEREST PENALTY PERIOD maturity date for that Investment Account or within the grace period of 10 days 24 months, withdrawal in the first 12 months 3 months after any maturity date, but only with respect to funds that were on deposit for at least 6 days prior to that maturity date. There is no early withdrawal penalty for any 24 months, withdrawal after the first 12 months None withdrawals(s) of principal that you make as set forth above. 48 months, withdrawal in the first 24 months 12 months Except as provided above, you are not permitted to make any withdrawal(s) of principal unless we, in our sole discretion, allow the withdrawal(s). If we, in our 48 months, withdrawal after the first 24 months None sole discretion, allow you to make withdrawal(s) of principal at another time, the Investment Account from which you make such withdrawal(s) will be subject to an For original and renewal terms of Variable-Rate Investment Accounts: early withdrawal penalty as set forth under “EARLY WITHDRAWAL PENALTY FOR TERM OF ACCOUNT INTEREST PENALTY PERIOD INVESTMENT ACCOUNTS.” Any term 3 months We may limit or prohibit partial withdrawals of principal and require any withdrawal of principal to be a withdrawal of the entire amount of principal in the Investment Account. In any case, the minimum early withdrawal penalty for any Investment Account is 7 days’ simple (non-compounded) interest on the amount of principal withdrawn (i) The provisions of this section do not apply if you revoke your IRA Plan prior to the within the first 6 days after deposit or (ii) within 6 days after each partial withdrawal. expiration of 7 days after the date it is established. The number of days’ or months’ interest that constitutes the early withdrawal Early Withdrawal Penalty for Investment Accounts penalty is applicable even if the funds have not been on deposit in the account for that number of days or months. If the amount of interest earned or accrued on the If you have a Fixed-Rate Investment Account, the amount of the penalty for early account or otherwise available is less than the early withdrawal penalty amount, the withdrawal of principal from that Account during the original or any renewal term of balance of the early withdrawal penalty will come from principal in the account. If that that Account is calculated at the simple (non-compounded) interest rate in effect at occurs, the early withdrawal penalty will result in a reduction in the principal sum of the time of early withdrawal for the applicable penalty period shown in the table below your account. on the amount of principal withdrawn. We may, in our sole discretion, waive the early withdrawal penalty (i) for a withdrawal If you have a Stepped-Rate Investment Account, the amount of the penalty for early of the entire balance of principal after any one of you dies or is determined to be withdrawal of principal from that Account (i) during any renewal term of that Account legally incompetent by a court or other administrative body of competent jurisdiction is calculated as described in the prior paragraph and (ii) during the original term of or (ii) if you are at least age 59½ and elect to receive your funds as part of a plan of that Account is calculated at the average simple (non-compounded) interest rate for systematic payments. the applicable penalty period shown in the table below on the amount of principal withdrawn. The “average simple (non-compounded) interest rate” is determined by The early withdrawal penalty will also apply any time(s) we withdraw principal from your account as a result of exercise of our right of set-off or pursuant to any

88 89 legal process, such as a garnishment, levy or court order or because of a returned • The “Index Rate” in effect for any Rate Day is the rate established and announced deposited item, or because we close your account. by the U.S. Department of the Treasury at the weekly auction held immediately The amount provided for an early withdrawal will be: (i) the amount of principal prior to such Rate Day for U.S. Treasury bills with maturities of 13 weeks (auction withdrawn early, plus (ii) the amount of any accrued or paid interest also withdrawn at average on a discount basis). Each “Rate Day” is the day 2 business days after that time, minus (iii) the amount of the applicable early withdrawal penalty. each weekly auction. However, in the case of a partial early withdrawal, we may deduct any applicable early We have the right at any time to change the index we use for determining the interest withdrawal penalty from the amount withdrawn or from the balance remaining in the rate. We will comply with any notice requirements of applicable law for this change, account or partly from either. but we agree to give you not less than 30 days’ prior notice. We agree that the new index will be verifiable and beyond our control. The provisions of this section do not apply if you revoke your IRA Plan prior to the expiration of 7 days after the date it is established. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal of interest before maturity will reduce earnings. Any applicable early withdrawal penalties will affect the amount of interest that would otherwise be earned. Account Balance We compute interest for any Investment Account at a daily periodic rate of 1/365th The balance in your Cash Account and in each Investment Account will be rebuttably (1/366th in a leap year) of the annual interest rate for each day. Interest will be presumed to be the amount shown on our electronic data processing system. compounded daily and paid on a quarterly basis. Interest will be paid by adding it to your Investment Account (less any amount required to be withheld). Rate Information for Cash Accounts The current interest rate and annual percentage yield we pay on your Cash Account Balance Computation Method is shown on the front panel of these Rules and Regulations. We compute interest at We use the daily balance method to calculate the interest on any account. This a daily periodic rate of 1/365th (1/366th in a leap year) of the annual interest rate for method applies a daily periodic rate to the principal balance in the account at the each day. The interest rate and annual percentage yield may change at any time at end of each day (including any interest added to principal for the purpose of any our discretion without notice to you. Interest will be compounded daily and paid on compounding applicable to your account) to determine the interest earned for that a quarterly basis. Interest will be paid by adding it to your Cash Account (less any day. amount required to be withheld). When Interest Begins to Accrue Rate Information for Investment Accounts Interest begins to accrue on cash and non-cash deposits on the day you deposit If you have a Fixed-Rate Investment Account, the interest rate and annual percentage funds, except if the deposit is made on any day that is not a business day (such as yield for the original term is shown on the front panel of these Rules and Regulations. Saturdays, Sundays and holidays), interest begins to accrue on our next business day. The interest rate for the original term will be in effect until the maturity date for the original term set forth on the front panel. We will determine the interest rate applicable for any renewal term as of the maturity date for the prior term. When Interest Is Earned After Maturity for Investment Accounts If you have a Stepped-Rate Investment Account, the applicable interest rate and the Interest is paid for the days on or after any maturity date on amounts withdrawn from period of time for which each applicable interest rate will be paid during the original any Investment Account within the grace period of 10 days after that maturity date term, and the annual percentage yield, are shown on the front panel of these Rules at the lower of (i) the interest rate applicable to the prior term that ended on that and Regulations. The interest rate applicable to any renewal term is a single fixed rate maturity date or (ii) the interest rate applicable to the renewal term which began on that we will determine as of the maturity date for the prior term. that maturity date. If you have a Variable-Rate Investment Account, the interest rate and annual Our Liability percentage yield for the original and any renewal term is a variable rate. The beginning interest rate and annual percentage yield is shown on the front panel of Except as otherwise provided for electronic fund transfers by applicable law or by these Rules and Regulations. The interest rate and annual percentage yield may other agreements applicable to your account, you agree that: change as follows: • If we do not properly complete a transaction according to these Rules and • The interest rate may change quarterly without notice to you on the same date of Regulations, we will not be liable for losses or damages in excess of the amount of the month you opened the Variable-Rate Investment Account. Each date on which the transaction. the interest rate can change is called a “Change Date.” • We will not be liable if circumstances beyond our control prevent the transaction or • The new interest rate that becomes effective on each Change Date will be our Index if the funds in your account are or may be subject to legal process or other claim. Rate in effect on our most recent Rate Day immediately prior to that Change Date, • We will not be liable for any consequential damages. or on that Change Date if the Change Date is a Rate Day.

90 91 Where Your IRA Plan Is Maintained No Special Access or Other Requirements Although you may transact business on your IRA Plan at any of our banking offices in We are not required to honor any requests, instructions or directions from you or on any state, you agree that your IRA Plan is maintained at the banking office where it is your behalf with respect to multiple signature or multiple authorization requirements opened. If you do not open your IRA Plan through one of our banking offices, but do for access to your IRA Plan or for any other matters with respect to your IRA Plan so remotely through the Internet, our telephone banking facility or some other means, (referred to as “special requirements”). We may allow any of the persons designated your IRA Plan will be maintained in Columbus, Ohio, unless we assign it to a banking as authorized signers on the signature card or other records we maintain for your IRA office in another location. We may change where your IRA Plan is maintained if we Plan to sign items, to withdraw funds or otherwise to authorize transactions or other determine that it is appropriate to do so. matters with respect to your IRA Plan. We are not bound by any special requirements, whether or not we know about them or whether or not you include them in signature IRA Plan Ownership cards, resolutions or other documents provided by or delivered to us in connection with your IRA Plan. We have no duty to monitor your IRA Plan for compliance with The ownership of your IRA Plan and the manner in which it is held are established by any special requirements. We have no liability for not complying with any special the signature card or, if we no longer use a signature card, such other document or requirements. record that we use to identify ownership (referred to in these Rules and Regulations as the “signature card”). If the signature card for your IRA Plan is lost or unavailable or ownership cannot be determined from the signature card, we will use other Unclaimed Funds and Dormant Accounts evidence available in our records, as we determine, to identify ownership and the Under applicable state law, the money in your IRA Plan will be considered manner in which your IRA Plan is held. abandoned and payable to the state of the last address we have for you in our records if a specified period of time has passed and you do not: Power of Attorney • Make a deposit or withdrawal; or If you sign a power of attorney appointing an attorney or agent to conduct business • Inquire about or take any other action in connection with your IRA Plan. for your IRA Plan, you must do so on a form acceptable to us. Subject to applicable law, we reserve the right to refuse to honor any power of attorney presented to us, as well as to refuse to recognize a successor attorney-in-fact at any time, whether or not Transferring Ownership the successor attorney-in-fact is specifically identified in the power of attorney. Your IRA Plan cannot be transferred or assigned without our consent. If we consent, In addition, we reserve the right to refuse to follow the instructions of an attorney-in- you must provide us with all information we request and sign any forms we will give fact. The person you appoint will be subject to all of the provisions of the Account you or that we approve. Documents. Any person appointed as an attorney-in-fact, whether or not designated as an authorized signer on the signature card for your IRA Plan, is not an owner of If You Owe Us Money the IRA Plan. We may honor a power of attorney until we receive written notice from If you owe us money that is due, whether jointly with another or individually, you agree you that you have revoked the power of attorney. that, unless prohibited by applicable law, we may use the money in your IRA Plan to pay the debt, regardless of the source of the funds in your IRA Plan. This is our right Garnishment and Other Legal Process of set-off. You agree to indemnify us and hold us harmless from any claim arising as a We may use the money in your IRA Plan to satisfy any garnishment, attachment, result of our exercise of our right of set-off. levy or similar legal process against you, regardless of the source of the funds in your IRA Plan. You agree to pay any fees and charges we assess in connection with Adverse Claims garnishments, attachments, levies, support orders, court orders or other legal process Upon receipt of oral or written notice from any person or entity of a claim regarding involving your IRA Plan. If you believe you have an applicable exemption from any your IRA Plan, we may place a hold on your accounts and shall be relieved of any garnishment, attachment, levy or similar legal process, you agree to notify us and the and all liability for failure or refusal to honor any withdrawal instruction. party claiming the funds about any such exemption. Notices Verification of Authority Except as otherwise provided in these Rules and Regulations, all notices required We reserve the right, at the time of opening of your IRA Plan and at all times to be sent to you will be effective when we mail or deliver them to the last address thereafter, to require such documents and authorizations as we may deem necessary that we have for you in our records or when we make such notices available to you or appropriate to verify that the person opening the account, requesting or directing through our Internet banking services or at the last known e-mail address that we withdrawal of funds or the performance of other transactions or otherwise taking have for you in our records. You agree that we may send or provide by electronic action with respect to the IRA Plan has the authority to do any of the foregoing. communication any notice, communication or disclosure required to be provided orally or in writing to you.

92 93 Disclosure of Information to Others currently offer and make available for this purpose to make such a change. However, you We may disclose information about your IRA Plan as follows: may only request such a change if we are able to make the change within the 10-day grace period at the beginning of the renewal term. • To consumer reporting agencies. We will comply with any notice requirements under applicable law for any change. • In connection with audits or any sale or transfer of your IRA Plan or a Huntington If applicable law does not specify any notice requirements for the change, we will company or division. decide what kind of notice (if any) we will give you and the method of providing any • For fraud, security or risk control. such notice. • To help complete a transaction you initiate, including information requested to verify Notwithstanding the foregoing, we are not required to notify you of any changes in the existence or condition of an Account. the interest rate that occur pursuant to any applicable variable-rate or stepped-rate provisions of these Rules and Regulations. • To resolve disputes or inquiries you may have about your IRA Plan. • With your consent or at your direction, which may be oral, in writing, by telephone, Governing Law electronic or other means we recognize. The Account Documents, your IRA Plan and the services we provide in connection • When disclosure is required by law, such as pursuant to a court order, subpoena, with your IRA Plan are governed by federal laws and regulations of the United States legal process or government agency examination or investigation, or to protect or of America. To the extent federal laws and regulations are not applicable (and only enforce our rights. to that extent), the Account Documents, your IRA Plan and these services shall be • To companies that perform services for us in connection with your IRA Plan, such governed by the law of the state where your IRA Plan is maintained as determined as data processing and software companies and collection agencies. above under “Where Your IRA Plan Is Maintained.” Any reference in the Account • As otherwise necessary to service your IRA Plan, or as permitted or required by law. Documents to “applicable law” or similar phrase shall mean the governing law as established by this section of these Rules and Regulations. • In response to a request from any Huntington company. In addition, we are subject to various laws, regulations and rules of government See our separate “Customer Information Privacy Notice” for more information about agencies, local clearinghouses, card associations, automated teller machine networks how we use customer information and your choices. and other similar entities or organizations. You agree to be bound by any actions we take with respect to your IRA Plan in accordance with such laws, regulations and Recording rules. To the extent there is any inconsistency between the terms of the Account You agree that we may tape record any telephone conversations you have with us Documents and any applicable law, regulation or rule, the terms of the Account regarding your IRA Plan. However, we are not obligated to do so and may choose not Documents will control to the extent any such law, regulation or rule may be modified to in our sole discretion. by agreement. If any of the provisions of the Account Documents cannot be legally enforced, they Our Other Rights will be considered changed to the extent necessary to comply with applicable law. No course of dealing and no delay or omission on our part in exercising any of our rights are a waiver by us of such rights or any other right. All of our rights under Last Revision Date 3/2010 the Account Documents are cumulative and not exclusive and may be exercised concurrently or successively. X. ELECTRONIC TRANSFER AGREEMENT AND DISCLOSURE STATEMENT

Closing Your Account This agreement states additional terms and conditions that apply to any qualifying deposit account(s), as determined by us, that you have with us (“Account” or If we or you terminate the custodial agreement for your IRA Plan, we will also close “Accounts”): any Cash Account or Investment Account that is in your IRA Plan. 1. If you authorize someone else to transfer money telephonically or electronically to Change in Terms or from any of your Accounts; We may change the terms of any Investment Account for the renewal term at the time 2. If you authorize us to transfer money telephonically or electronically to any of your of renewal. From time to time we may change any other provisions of the Account Accounts from someone else or from any of your accounts to someone else; or Documents. 3. If you transfer money telephonically or electronically to or from any of your You may contact us on or after the maturity date of your Investment Account to learn Accounts or your Direct Line Accounts. the applicable interest rate and annual percentage yield (APY) for the renewal term. We collectively call these transactions “Electronic Transfers.” Electronic transfers You may also inquire about interest rates and APYs that we may be offering for other of money to your Account or Direct Line Accounts are called “Electronic Deposits.” Investment Accounts. If you are interested in a different maturity term or interest rate Electronic transfers of money from your Account or Direct Line Accounts are called and APY for the renewal term than what your Investment Account automatically rolled “Electronic Payments.” This agreement does not apply to any electronic transfers over to, you may choose from the maturity terms, interest rates and APYs we then made or arranged with us by means of Internet, computer banking, bill payment,

94 95 or any other plan or service of ours for which we provide a separate agreement and Telephone Transactions disclosure statement. We call the accounts that you can access for telephone transactions your “Direct Line Accounts”. You may use either your card number and PIN or your customer General Definitions identification number and secret code over a telephone to communicate directly with When used in this agreement, the following terms have the meanings described our computers. We will give you instructions separate from this agreement on how below: to make telephone transactions. Our telephone services allow you to perform the transactions described below: • “You” and “your” mean the Account or the Direct Line Account owners. • Transfers between your Direct Line Accounts that we permit; or • “We,” “us,” and “our” mean the bank where your Account or your Direct Line Account is held. • Account information inquiries on your Direct Line Accounts. • “New Account” means an Account that has been open at least 30 days after the Remember, you must have enough available money or credit in your Direct Line first deposit, unless all owners of the Account already have certain other account Accounts to complete any permitted transfers between your Direct Line Accounts, relationships with us as defined by federal regulations. and those transfers are subject to any applicable transaction limits under “Transfer We Will Honor”. • “Card” means the card(s) we have issued to you under the Electronic Banking Services Agreement and Disclosure Statement. Personal Identification Number (PIN) and Secret Code • “PIN” means personal identification number. We will establish a PIN and/or secret code for you so that you can perform electronic • “Direct Line” means our voice response unit telephone banking service. transfers covered by this agreement that require use of your PIN or secret code. You • “Direct Line Account” means any qualifying deposit, loan, line of credit, or should memorize your PIN and/or secret code. Never let anyone else watch you enter Huntington Credit Card account you have with us that you can access for telephone it when you perform a transaction. Do not write it anywhere where someone might transactions. find it. • “Access Number” means your card number, customer identification number, PIN, secret code, or any other alpha, numerical, or alphanumerical sequence that we Charges require or allow to be used to access accounts for the transactions covered by this Our charges for the transactions covered by this agreement are described in this agreement. agreement, in our Personal Account Charges Form, or in a separate schedule (which • “Huntington Credit Card account” means a credit card account issued by us. we will provide to you) for the type(s) of deposit account(s) you have. The Personal Account Charges Form is part of this agreement. Certain other charges may be Transfers We Will Honor provided in a separate schedule of charges. We will honor electronic transfers to or from your Account if they are properly Receipts presented through the Automated Clearing House system, or other system that we use, or if someone else with whom we have an agreement properly presents the If you authorize an electronic transfer to be made through an electronic terminal at a electronic transfers. We must receive enough money to cover any electronic deposit merchant or other point of sale, the merchant or seller may provide you with a receipt, from the sender. You must have enough available money or credit in your Account to or the option to get a receipt. We may give you a receipt for any other electronic cover any electronic payment. transfers covered by this agreement. Under federal regulations, you are limited to a total of no more than six (6) transfers and withdrawals, or a combination of such transfers and withdrawals, from a money Statements market or savings account for the specified period to another account of yours with For any Account or Direct Line Account to or from which an electronic transfer can us or to a third party by certain methods from your account. These methods are by be made, we will provide a statement for each month in which such a transfer has (i) preauthorized or automatic transfer; (ii) telephone agreement, order or instruction; been made. In any case, a statement will be provided at least quarterly for Accounts or (iii) check, draft, debit card or similar order payable to third parties. We do not not classified by us as inactive. You agree to notify us promptly if you change your necessarily offer any or all of these methods of withdrawal from your account. If you address or if you believe there are any errors or unauthorized transactions on exceed these limits, we may refuse to permit the excessive withdrawal(s), terminate any statement. If we classify the deposit account as inactive, we will stop sending your preauthorized, automatic, or third-party transfer and payment privileges, or statements. close your account. The specified period for money market accounts is the monthly statement period. The specified period for savings accounts is a calendar month. Business Days Otherwise, we do not impose any limitations on the dollar amount of electronic Our business days are Monday through Friday. Holidays are not included. transfers, nor do we impose any limitations on the frequency of such transfers in connection with checking accounts.

96 97 Verifying Certain Electronic Deposits Line Account (plus your maximum overdraft or other line of credit). See the “How If you have arranged to have preauthorized recurring electronic deposits made to any to Contact Us About Unauthorized Electronic Transfers” section above for how to of your Accounts at least once every 60 days from the same person or company, you contact us. may call toll free 1-800-480-BANK (2265) to find out whether or not the deposit has If you tell us within two (2) business days after you learn of the loss, theft or other been made. We will ask for reasonable identification. All deposits and payments are improper disclosure of your secret code or other access device, you can lose no subject to certain verification procedures. more than $50 if someone used your secret code or other access device without your permission. If you do not tell us within two (2) business days, and we can prove we Notice of Varying Amounts could have stopped someone from using your secret code or other access device without your permission if you had told us, you could lose as much as $500. If you have arranged for preauthorized recurring electronic payments that may vary in amount to be made from any of your Accounts, the person or company you are going Also, if your statement shows electronic transfers that you did not authorize, tell us at to pay will tell you, at least 10 days before each payment is scheduled to be made, once. If you do not tell us within 60 days after the statement was mailed or otherwise when it will be made and how much it will be. You may choose instead to get this provided to you, you may not get back any money you lost after the 60 days if we can notice only when the payment would differ by more than a certain amount from the prove that we could have stopped someone from taking the money if you had told us previous payment, or when the amount would fall outside certain limits that you set. in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time period. Stopping Certain Electronic Payments If you believe that an unauthorized electronic transfer has been made from any If you have arranged to make preauthorized recurring electronic payments from of your Direct Line Accounts that are a line of credit or a Huntington Credit Card any of your Accounts, you can stop any of these payments. Call toll free 1-800-480- Account, see the applicable agreements for those accounts to determine when you BANK (2265), or write to The Huntington National Bank, 7 Easton Oval (EA2W40) have to notify us and your liability, unless that unauthorized electronic transfer is an Columbus, Ohio 43219, in time for us to receive your request 3 business days or automated transfer to cover an overdraft then the provisions in this section apply. more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will Authority Given to Others charge you our regular stop payment fee for each stop payment order you give. Anyone to whom you have given a secret code or other access device for use in If you order us to stop any of these payments three (3) business days or more before making electronic transfers from your Accounts or Direct Line Accounts can make the payment is scheduled, and we do not do so, we will be liable for your losses or electronic transfers, even if that person or company exceeds your authority. You are damages. A stop payment request will only stop a particular payment. You must tell liable for all transactions that you make or authorize. This is true even if the person us if you want all scheduled future payments cancelled. You should also contact or company you authorize exceeds your authority. If you have given or authorized the person or company with whom you arranged for the preauthorized recurring us to give another person or company a secret code or other access device for your electronic payment service. Accounts or Direct Line Accounts and you want to terminate that other person’s or company’s authority, you must notify us that transactions by that person or company How to Contact Us About Unauthorized Electronic Transfers, Use, Loss or Theft are no longer authorized. We must have a reasonable time to act on your notice after we receive it. If you believe that an unauthorized electronic transfer has been made from any of your Accounts, call toll free 1-800-480-BANK (2265), or write to The Huntington In Case of Errors or Questions About the Transactions Covered by This Agreement National Bank, Bank Card Security, 7 Easton Oval (EA5E99) Columbus, OH 43219. Call 1-800-480-BANK (2265) or write to The Huntington National Bank, EA4W61 If you believe that an unauthorized electronic transfer has been made from any of P.O. Box 1558 Columbus, Ohio 43216, as soon as you can if you think your your Direct Line Accounts that are a line of credit or a Huntington Credit Card, call the statement is wrong or if you need more information about a transfer listed on the number or write to the address listed in your personal credit line or Huntington Credit statement from an Account or a Direct Line Account that is a qualifying deposit Card agreement. account. We must hear from you no later than 60 days after we sent the FIRST You must notify us immediately if you believe any access number has been lost or statement on which the problem or error appeared. stolen or used without your authorization. Quickly telephoning us is the best way to 1. Tell us your name and account number (if any). give us notice. Call us toll free at 1-800-480-BANK (2265), or write to The Huntington National Bank, Bank Card Security, 7 Easton Oval (EA5E99) Columbus, Ohio 43219. 2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Your Liability for Unauthorized Electronic Transfers 3. Tell us the dollar amount of the suspected error. Tell us at once if you believe that an unauthorized electronic transfer has been made If you tell us orally, we may require that you send us your complaint or question in from any of your Accounts or Direct Line Accounts, or if any secret code of other writing so that we may receive it within 10 business days. access device (if any) for use in making electronic transfer has been lost, stolen, or We will tell you the results of our investigation within ten (10) business days after we otherwise improperly disclosed. Telephoning is the best way of keeping your possible hear from you and will correct any error promptly. If we need more time, however, we losses to a minimum. You could lose all the money in your Account or your Direct

98 99 may take up to 45 days to investigate your complaint or question. If we decide to do Disclosure of Information to Others this, we will provisionally credit your account within 10 business days for the amount We may disclose information about your Accounts or Direct Line Accounts with us as you think is in error, so that you will have use of the money during the time it takes follows: us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we are not required to credit • To consumer reporting agencies; your account provisionally. • In connection with audits or any sale or transfer of your Accounts or a Huntington If notice of an error involves a transaction with a New Account, the above time periods company or division; will be 20 business days instead of 10 business days and 90 days instead of 45 days. • For fraud, security or risk control; If the transaction was not initiated in any state, territory, or possession of the United • To help complete a transaction you initiate, including information requested to verify States of America, the above 45-day time period will be 90 days. the existence or condition of an Account; When the investigation is completed, we will make any necessary or appropriate • To resolve disputes or inquiries you may have about your Accounts; adjustments to your Account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error or the • With your consent or at your direction, which may be oral, in writing, by telephone, error was different than you described, we will send you a written explanation. You electronic or other means we recognize; may ask for copies of the documents that we used in our investigation. • When disclosure is required by law, such as pursuant to court order, subpoena, If you think your statement is wrong or if you need more information about a transfer legal process or government agency examination or investigation, or to protect or listed on the statement from a Direct Line Account that is a line of credit or a enforce our rights; Huntington Credit Card Account, see the applicable agreements for those accounts • To companies that perform services for us in connection with your Accounts, such to determine when and where you have to notify us, your liability, and investigation as data processing and software companies and collection agencies; procedures; however, if that transfer is an automated transfer to cover an overdraft, • As otherwise necessary to service your Account, or as permitted or required by law; then the provisions in this section apply. or • In response to a request from any Huntington company. Our Liability If we do not complete an electronic transfer on time or in the correct amount See our separate “Customer Information Privacy Notice” for more information about according to our agreement with you to or from any of your Accounts, Direct Line how we use customer information and your choices. Accounts that are qualifying deposit accounts, or Direct Line Accounts that are a line of credit or a Huntington Credit Card Account and the electronic transfer is an Changing Terms and Terminating This Agreement automated transfer to cover an overdraft, we will be liable for your losses or damages. We have the right to terminate this agreement and to make changes in it at any time. However, there are some exceptions. We will NOT be liable, for instance: We will comply with any notice requirements under applicable law for termination • If, through no fault of ours, you do not have enough available money in your or changes. This includes changes to the fees and charges applicable to the Account to make any electronic payment, or if your Account has been closed or is transactions and services covered by this agreement. If applicable law does not not in good standing; require a notice, we will decide what kind of notice (if any) we will give you and the method of providing such notice. • If any electronic payment would go over the credit limit of any overdraft line you may have with us; You can terminate this agreement at any time by notifying us in writing and no longer using any of the services covered by this agreement. • If we do not receive enough money to cover any electronic deposit; • If any necessary authorizations for completing transfers have been revoked; Notices • If the equipment or system is temporarily out of service or closed for maintenance Except as otherwise provided in this agreement, all notices from us will be effective or is not working properly, and you knew about it; when we mail or deliver them to the last address that we have for you in our records • If you have not properly followed our instructions or if you provide us with wrong or or when we make such notices available to you through any electronic means. Notice inaccurate information; to one joint account owner or cardholder will be effective for all of you. • If incomplete or inaccurate information necessary to complete or describe the transfer is forwarded to us by the person or company with whom you arranged for Recording the electronic transfer service; You agree that we may tape record any telephone conversations you have with us • If the money in your Account is subject to legal process or other claim restricting the regarding the Account or Direct Line Account. However, we are not obligated to do so transaction; or and may choose not to in our sole discretion. • If circumstances beyond our control (such as fire or flood) prevent any electronic transfer, despite reasonable precautions that we have taken.

100 101 Law that Applies Types of Available Cards This agreement is subject to federal and Ohio law. If any of these terms of this We allow the following cards (and their related card numbers) to access the services agreement cannot be legally enforced, they will be considered changed to the extent and perform the transactions covered by this agreement: necessary to comply with applicable law. • Huntington Temporary Electronic Banking Card. • Huntington Electronic Banking Card. XI. ELECTRONIC BANKING SERVICES AGREEMENT AND DISCLOSURE • Huntington Debit Card accepted by MasterCard merchants. STATEMENT When you apply for our electronic banking service, we will determine which card(s) we will issue to you in response to your request. If at any time you request, and we What This Agreement Covers make, an expedited delivery of a Huntington Debit Card, we may charge an expedited This agreement states terms and conditions that apply when you perform any of the delivery fee. following electronic banking transactions that we offer: What Transactions a Card Can Perform • ATM transactions. A Huntington Debit Card can perform all of the transactions covered by this • Debit Card merchant transactions. agreement. A Huntington Temporary Electronic Banking Card or a Huntington The terms and conditions in this agreement are in addition to those that apply to any Electronic Banking Card can perform all of the transactions covered by this deposit or credit card account you may have with us. They are also in addition to any agreement except Debit Card merchant transactions. other agreement covering types of electronic banking transactions or services not covered by this agreement. What Accounts a Card Can Access Your card account can access your qualifying deposit and other accounts with us. General Definitions We will tell you which of your accounts qualify when you open your card account. When used in this agreement, the following terms have the meanings described This will depend on the type of card you have and the types of accounts you have. below: Any deposit account must be with us and cannot require two or more signatures for • “you” and “your” mean each person who has been issued a card and a PIN and/ withdrawal. or a customer identification number and a secret code for use with transactions covered by this agreement. Charges for Electronic Banking Transactions • “we”, “us” and “our” mean The Huntington National Bank, Columbus, Ohio. Our charges for electronic banking transactions covered by this agreement are • “card” means the card(s) we have issued to you under this agreement. described in this agreement or in our Personal Account Charges Form for the type(s) of deposit account(s) you have. The Personal Account Charges Form is part of this • “card account” means the account number we establish for each card. If we have agreement. issued a joint card account, the cards will have the same account number and will be one card account. Otherwise, each card we issue to you will have a different account number and will be a separate card account. ATM Transactions We call the deposit accounts that your card account can access for ATM transactions • “ATM” means automated teller machine. your “ATM deposit accounts”. You may use your card and PIN at an ATM to perform • “PIN” means personal identification number. the transactions described below, depending upon the location or type of ATM and • “PIN-based merchant transaction” as described in this agreement requires use of a which card you use: PIN. In this agreement, a PIN-based merchant transaction does not include a Debit • Cash withdrawals from your ATM deposit accounts. Card merchant transaction. • Deposits to your ATM deposit accounts. • “Debit Card” means the Huntington Debit Card accepted by MasterCard merchants. A “Debit Card merchant transaction” does not require use of a PIN. In • Transfers between your ATM deposit accounts. this agreement, a Debit Card merchant transaction is not a PIN-based merchant • Balance inquiries on your ATM deposit accounts. transaction. • Mini-statements on your ATM deposit accounts. • “cash” may mean a cash substitute that may be used to purchase goods or services • Payments by cash or check on any loan or bill from us, or any bill from any from the merchant at which the ATM or point of sale terminal is located. company for which we accept bill payments. • “access number” means your card number, customer identification number, PIN, secret code, or any other alpha, numerical, or alpha-numerical sequence that we PIN-Based Merchant Transactions require or allow to be used to access accounts for the transactions covered by this We call the accounts that your card account can access for PIN-based merchant agreement. transactions your “PIN-based merchant deposit accounts”. You may use your card

102 103 and PIN at a point of sale terminal to perform the transactions described below, or similar order payable to third parties. Point of sale transactions will be counted depending upon the location or type of point of sale terminal you use: toward the 6-per-month limit on third-party transfers and payments by check. • Purchase of goods or services from the merchant at which the point of sale terminal is located by accessing your PIN-based merchant deposit accounts. International Transactions • Purchases of postage stamps at a Huntington ATM by accessing your PIN-based This section applies to Debit Card merchant transactions, PIN-based merchant merchant deposit accounts. A Huntington ATM is a point of sale terminal when transactions and ATM transactions. If you use your card or card number for an used to purchase postage stamps. international transaction, the transaction may be in a currency other than U.S. Dollars. We will post an international transaction to your account in U.S. Dollars based • Cash withdrawals from your PIN-based merchant deposit accounts in connection on the applicable currency exchange rate on the day we settle the transaction. The with purchases from a merchant at which the point of sale terminal is located. day we settle the transaction may be a different day than the day you used your card Balance inquiries on your PIN-based merchant deposit accounts. or card number. Also, networks through which an international transaction occurs may charge fees that are added to the transaction amount. As a result, the amount Debit Card Merchant Transactions posted to your account may be a different amount than the original amount of the We call the deposit account that your card account can access for Debit Card transaction. merchant transactions your “Debit Card deposit account”. This must be a checking There may be restrictions or prohibitions that prevent you from being able to use your account. If your card is a Huntington Debit Card, you may use your card at a card or card number for certain international transactions or for transactions involving MasterCard merchant to perform the transactions described below: certain countries. • Purchases of goods or services from the merchant by accessing your Debit Card We charge an international transaction fee equal to 3% of the amount posted to your deposit account for the money to pay for the purchases. account for any international transaction. • Cash withdrawals from your Debit Card deposit account at financial institutions The transaction is an international transaction if the network that presents the participating in the MasterCard system. The financial institution is a MasterCard transaction to us processes it as occurring outside of the United States or its merchant for this purpose. territories, possessions or facilities (such as a U.S. military base, U.S. embassy or U.S. consulate). The transaction is also an international transaction regardless of Making Deposits or Paying Bills at an ATM location if the transaction was in a currency other than U.S. Dollars. When you make a deposit or pay any bills at an ATM with cash or checks you must put the cash or checks and your bill or payment coupon in the ATM deposit facility. Personal Identification Number (PIN) and Secret Code All deposits and payments are subject to our verification procedures. We will establish a PIN and/or secret code for you so that you can perform the transactions covered by this agreement that require use of your PIN or secret code. Limits on Frequency and Dollar Amount of Transactions You should memorize your PIN and/or secret code. Never let anyone else watch you enter it when you perform a transaction. Do not write it on the card or anywhere else We have the following limits on the frequency and dollar amount of the electronic where someone might find it. banking transactions covered by this agreement: • You must have enough available money or credit in your account to complete the Unauthorized Use, Loss or Theft transaction. You must notify us immediately if you believe your card and/or any access number • Depending on the location of the ATM or point of sale terminal you use, you can has been lost or stolen or used without your authority. Quickly telephoning us is the obtain up to a total of $400 each day per card account (but not more than your best way to give us notice. Call us toll free at 1-800-480-BANK (2265), or write available balance) for cash withdrawals at an ATM or cash withdrawals or purchases to The Huntington National Bank, Bank Card Security, 7 Easton Oval (EA5E99) at a point of sale terminal. Higher withdrawal limits may be available upon request Columbus, Ohio 43219. and approval. • For security reasons we have established limits on the dollar amount and frequency In Case of Errors or Questions About Transactions Covered by This Agreement of Debit Card merchant transactions. Call us or write to us as soon as you can if you think your statement or receipt is For money market accounts and savings accounts, certain types of withdrawals wrong or if you need more information about a transaction covered by this agreement. including transfers and payments, are limited to a total of no more than 6 in any You may call our toll-free number, 1-800-480-BANK (2265), or write to specified period. The specified period for money market accounts is the monthly The Huntington National Bank, EA4W61 P.O. Box 1558, Columbus, Ohio 43216. statement period. The specified period for savings account is a calendar month. The We must hear from you no later than 60 days after we sent the FIRST statement on kinds of withdrawals covered by this limitation are by (i) preauthorized or automatic which the problem or error appeared. transfer, (ii) telephone agreement, order or instruction or (iii) check, draft, debit card 1. Tell us your name and account number (if any).

104 105 2. Describe the error or the transfer you are unsure about, and explain as clearly as classify the deposit account as inactive, we will stop sending statements. You agree to you can why you believe it is an error or why you need more information. notify us promptly if you change your address or if you believe there are any errors or 3. Tell us the dollar amount of the suspected error. unauthorized transactions on any statement. If you tell us orally, we may require that you send us your complaint or question in Business Day writing so that we receive it within 10 business days. Our business days are Monday through Friday. Holidays are not included. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. Your Liability If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account Anyone to whom you have given your card and/or access number can perform within 10 business days for the amount you think is in error, so that you will have use the electronic banking transactions covered by this agreement, even if that person of the money during the time it takes us to complete our investigation. If we ask you to exceeds your authority. You are liable for all transactions that you make or authorize. put your complaint or question in writing and we do not receive it within 10 business This is true even if the person you authorize exceeds your authority. If you have days, we are not required to provisionally credit your account. given someone your card and/or access number and want to terminate that person’s authority, you must notify us that transactions covered by that person are no longer For errors involving new accounts, PIN-based merchant transactions, Debit Card authorized. To notify us, call us toll free at 1-800-480-BANK (2265), or write to merchant transactions, or foreign-initiated transactions, we may take up to 90 days The Huntington National Bank, EA4W61, P.O. Box 1558, Columbus, Ohio 43216. to investigate your complaint or question. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you think is in error. Tell us AT ONCE if you believe your card or any access number has been lost or stolen or used without your authority. See the “Unauthorized Use, Loss or Theft” There is also a special timing rule if the error you notify us about concerns the section above for how to contact us. Telephoning is the best way of keeping your unauthorized use of a Debit Card for Debit Card merchant transactions. In that case, possible losses down. You could lose all the money in any account(s) that can be we will provisionally credit your account for the amount you think is in error within 5 accessed with your card or access number, plus all the money in any other account business days after we receive your complaint or question if we do not complete our that is linked for overdraft protection or the maximum overdraft line of credit that you investigation within that time. However, this special timing rule will not apply, and may have on any account(s). instead the general timing rules described in the preceding paragraphs will apply, if: If you tell us within 2 business days, you can lose no more than $50 if someone used • we ask you to put your complaint or question in writing and we do not receive it your card and/or access number without your permission. within 5 business days; or If you do NOT tell us within 2 business days after you learn of the loss or theft of your • we determine that the circumstances or account history warrant us using the card and/or access number, and we can prove we could have stopped someone from general timing rules described in the preceding paragraphs. taking the money without your permission if you had told us, you could lose as much When the investigation is completed, we will make any necessary or appropriate as $500. adjustments to your account. We will tell you the results within 3 business days after Also, if your statement shows transactions that you did not make, tell us at once. If completing our investigation. If we decide that there was no error or the error was you do not tell us within 60 days after the statement was mailed or otherwise sent to different than you described, we will send you a written explanation. If we determine you, you may not get back any money you lost after the 60 days if we can prove that that there was an error, we will correct the error within 1 business day after we we could have stopped someone from taking the money if you had told us in time. determined the error occurred. You may ask for copies of the documents that we used in our investigation. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Receipts However, there is a special liability rule for Debit Card merchant transactions. If someone uses your card and/or access number without your authority for a Debit We will give you a receipt, or the option to get a receipt, for certain electronic banking Card merchant transaction, you will have no liability for that transaction unless we transactions covered by this agreement. These are deposits, withdrawals, transfers, determine that you were grossly negligent or fraudulent in the handling of your payments or purchases that are performed at an ATM, or point of sale terminal. We account, in which case the liability rules described above in this section will apply. may give you a receipt for any other electronic banking transactions covered by this agreement. Our Liability Statements If we do not complete certain transactions covered by this agreement on time or in the correct amount according to our agreement with you, we will be liable for We will provide monthly statements for the deposit accounts you access to perform your losses or damages. These transactions are deposits, withdrawals, transfers, transactions under this agreement. However, we may only provide a quarterly payments, or purchases. statement if there are no deposits, withdrawals, or transfers for the account. If we

106 107 • If through no fault of ours, you do not have enough money or credit in your account change, we will decide what kind of notice (if any) we will give you and the method of to make the transaction, or if the account has been closed or is not in good providing any such notice. standing. • If you do not enclose enough funds for any deposit or payment. Notices • If the transaction would go over the credit limit of any overdraft line or credit card Except as otherwise provided in this agreement, all notices from us will be effective account you may have with us. when we mail or deliver them to the last address that we have for you in our records • If the equipment or system is temporarily out of service or closed for maintenance or when we make such notices available to you through any electronic means. Notice or is not working properly, and you knew about this when you started the to one joint account owner or cardholder will be effective for all of you. transaction. • If a merchant or other third party refused to honor your card. Terminating This Agreement • If the money in the account you are accessing is subject to legal process or other We can terminate some or all of the services we provide under this agreement at any claim restricting the transaction. time. If we do so, you are required to return any card when we ask you to. In addition, you must return to us any card linked to any account that is terminated. In addition, • If you have not properly followed our instructions or if you provide us with wrong or your Huntington Temporary Electronic Banking Card will automatically terminate 21 inaccurate information. days after the date we issue it. • If circumstances beyond our control (such as fire or flood) prevent the transaction You can terminate this agreement at any time by notifying us in writing and no longer despite reasonable precautions we have taken. using any of the services covered by this agreement.

Disclosure of Information to Others Law That Applies We may disclose information about your accounts with us as follows: This agreement is subject to federal and Ohio law. If any of the terms of this • To consumer reporting agencies. agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law. • In connection with audits or any sale or transfer of your accounts or a Huntington company or division. • For fraud, security or risk control. XII. FDIC INSURANCE INFORMATION • To help complete a transaction you initiate, including information requested to verify Certain Bank of America, National Association deposit accounts were purchased by the existence or condition of an account. Huntington on the “Purchase Date.” The Purchase Date is the date of the closing of • To resolve disputes or inquiries you may have about your accounts. the agreement between Bank of America, National Association and Huntington for • With your consent or at your direction, which may be oral, in writing, by telephone, the purchase of certain branches and deposits. These accounts (referred to here electronic or other means we recognize. as the “Bank of America Accounts”) will generally remain separately insured by the Federal Deposit Insurance Corporation (the “FDIC”) from any other Huntington • When disclosure is required by law, such as pursuant to court order, subpoena, deposit accounts for a period of 6 months after the Purchase Date. legal process or government agency examination or investigation, or to protect or enforce our rights. At the end of that 6-month period, your Bank of America Accounts will be counted with your other Huntington deposit accounts for determining deposit insurance • To companies that perform services for us in connection with your accounts, such coverage by the FDIC. However, certificate of deposit accounts which mature after as data processing and software companies and collection agencies. the end of the 6-month period will remain separately insured by the FDIC until their • As otherwise necessary to service your account or as permitted or required by law. first maturity date after the end of the 6-month period. Certificate of deposit accounts • In response to a request from any Huntington company. which mature before the end of the 6-month period will remain separately insured only until the end of the 6-month period, unless they are renewed for the same dollar See our separate “Customer Information Privacy Notice” for more information about amount and the same term as the original deposit, in which case the separate FDIC how we use customer information and your choices. deposit insurance applies until the first maturity date after the end of the 6-month period. Changing the Terms of This Agreement We have the right to make changes to this agreement at any time. This includes XIII. NOTICE FOR CHECKING RESERVE OR CREDIT LINE ACCOUNTS changes to the fees and charges applicable to the transactions and services covered by this agreement. We will comply with any notice requirements under applicable law The Federal Deposit Insurance Corporation (“FDIC”) is requiring all banks to provide for such changes. If applicable law does not specify any notice requirements for the certain disclosures to their customers regarding sweep features linked to deposit accounts in the event the bank fails and is taken over by the FDIC. The requirement

108 109 to provide this disclosure is general for all banks, and is not related in any way to the When you demonstrate that you left certain property in your safe deposit box and you current or expected condition of any bank. subsequently entered it and found any of this property missing, this evidence does If you have chosen our Checking Reserve or another loan or credit line account, not: funds in your checking account are periodically swept out of your checking account 1. Raise a presumption that the property was lost by us; or in order to pay down the balance of Checking Reserve or another loan or other credit 2. Put on us the burden of proving that the loss was not from our negligence. line account you have with us. Funds in your checking account, prior to being swept out of your checking account, Access are insured up to the applicable FDIC insurance limits, which are limited to $250,000 We have given you two keys, which will open your safe deposit box, or you have combined with other funds on deposit with Huntington by the same depositor in personally set the combination to your safe deposit box. You agree not to duplicate accordance with FDIC’s aggregation rules. the keys. We will not accept custody of these keys or the combination from you or If the FDIC takes over a bank, the FDIC has indicated it will complete all internal someone acting on your behalf while this lease is in effect. If you lose one or both transfers, but will attempt to block transfers from coming into or going outside of the keys or the combination, then you will give an immediate written notice of this loss, bank. and without delay bring in the remaining key, if any, to open the safe deposit box. You If the FDIC takes over the bank, funds swept from your checking account to Checking agree to pay all expenses of opening your safe deposit box, changing the lock and Reserve or another loan or credit line account you have with us are not FDIC-insured, replacing the keys. You will pay us for these expenses when we request payment. but the FDIC will recognize your claim for the reduction of the balance for Checking Our Banking Office in which your safe deposit box is located will be open during Reserve or such other loan or credit line account you have with us by the amount of our usual business hours of each business day. We may change these hours if the swept funds. we decide it necessary to secure this office during an emergency, like a fire or inclement weather, or when any vault doors and locks are malfunctioning. We are not responsible for any loss caused by any failure of the locks or doors on any vault. If you lease a Safe Deposit Box, the following agreement pertains to you. XIV. SAFE DEPOSIT BOX AGREEMENT We may refuse you entry into the safe deposit box when: 1. Your rent or any other charge under the terms of this lease is past due. Payments will be due (in advance) on an annual basis. We will continue to collect the 2. We are served with an order or other legal process in which the court or other rent annually until the lease is ended, we receive notice you have died or you close legal authority directs us to make this refusal or affects the contents or your safe your account. If you fail to pay rent within 30 days of the date due, you agree to pay a deposit box. late charge of $10. Payments received by us will be applied first to taxes (if any), then to late charges, and then to any other charges due from you under this agreement, 3. You violate other terms of this agreement. then to rent due. We have no duty to determine the validity of any court order or legal process, so we are not obligated to compensate you for any damage or loss you have resulting from Agreement our compliance with this order, legal process, or the law. You agree to pay us for all As used in this agreement (except for the Appointment of Deputy section on the costs and expenses, including reasonable attorney’s fees as permitted by law, if we reverse side), “you” and “yours” mean the lessee(s) named on the reverse side, the become involved in any dispute (including lawsuits) about your safe deposit box or its persons they may represent and any deputy or authorized legal representative of the contents. You will pay these costs to us when we ask you for them. lessee(s). This agreement is a lease, and does not create a bailment between us. You We may also refuse you access (to the extent permitted by law) into this safe deposit agree this lease will be governed by the law of the state in which the safe deposit box box on the death, incapacity or bankruptcy of any lessee, unless we: is located. 1. Open it to search for testamentary document, to list its contents for tax purposes, or to accomplish any other purpose required or permitted by law; Duties 2. Are satisfied that you or a legal representative of you or your estate is qualified and We will use reasonable and ordinary care and diligence to prevent anyone other authorized to enter this safe deposit box and remove its contents; and than you from opening your safe deposit box, amending or canceling this lease or 3. Receive satisfactory evidence that all federal, state or local requirements about surrendering and exchanging your safe deposit box. We will not be responsible for notice, access in this safe deposit box or withdrawing its contents have been met. any of your losses from fire or other natural causes, or from theft, embezzlement or any other cause, unless we fail to use reasonable care in preventing these occurrences. Default The safe deposit box is your leased property, and you have control over and are You will be in default beginning with the first day after one or all of the following in possession of your safe deposit box and its contents. We have no knowledge of occurs: the contents in your box, and we will not supervise the deposit or removal of these 1. You fail to pay the rent or other charges when due, or fail to keep any other contents. You agree not to store anything in your safe deposit box that is illegal, promise or violate any term set forth in this agreement; or noxious or inherently dangerous to nearby persons or property.

110 111 2. You fail to surrender possession of this safe deposit box to us on the termination of If you are a corporation, partnership, association or other organization, you will this lease. provide us upon request with a statement from your board of directors or other Other charges due under this lease may include the costs for forcibly opening your governing board of your authority to enter into this agreement and the safe deposit safe deposit box and replacing the lock and keys or resetting the combination, notary box. If we request, you will do so on the form acceptable to us. fees, notifying you, advertising, and selling or disposing of the contents of your box. Termination Remedies We may end this lease, for any reason in our sole discretion, by giving you an If you are in default of this lease, we may: advance written notice of 30 days. Within the time period, you will remove all the contents from this safe deposit box, and return to us its keys or combination. Then, 1. Immediately terminate this lease without notice to you; or we will refund any prepaid rent for the period remaining on this lease. You may end 2. Use any remedy we may have under state or federal law; or this lease by giving us written notice, and simultaneously removing all of the contents 3. If your rent is past due, you agree that unless prohibited by law, we may use from this safe deposit box and returning to us its keys or combination. If you end this the money in any of your deposit accounts, whether held jointly with another or lease, we will not owe you a refund of any prepaid rent individually, to pay the debt regardless of the source of the funds in the account. This is our right of off-set. Joint Owners In choosing any one or more of these remedies, we do not waive our later right to use If this safe deposit box is leased by more than one person, then you have joint any other remedy, nor do we waive your default, now or later. tenancy with the right of survivorship in the safe deposit box and the lease. The ownership of the lease will not affect the title to any contents of the safe deposit You should correct any default within the statutory grace period, or if none, within 90 box. Each of you may enter into the safe deposit box, cancel this lease, exchange or days after the date of default. After this grace period ends, we will mail you a written surrender the safe deposit box or do anything else involving this safe deposit box. Any notice (if required by law) to you about what we will do with your safe deposit box one of you may end the appointment of a deputy even though you are not the one and its contents. The notice will request you pay the rent and charges due within who appointed that deputy. The death, bankruptcy or incapacity of any one of you will the legally required period, or if none, 60 days after the date we mailed this notice. If not end the appointment of any deputy appointed by any of the rest of you. Upon the you do not pay the amounts due within this period, we may act under law to forcibly death of any one of you, each survivor, or any deputy appointed by a survivor, shall open your safe deposit box, and to remove, inventory, and store its contents. We will be permitted to open the safe deposit box, except as restricted by the law. If more store these contents for as long as the law requires, or if none, 90 days. If during this than one of you survives, you shall remain as joint tenants with right of survivorship time you do not claim these contents and pay the rent and charges due, we may between you. sell or dispose of these contents as required by law. After the sale or disposition, any proceeds will be used to pay the rent and other charges due. You agree to pay any fees or expenses incurred by us in connection with the safe deposit box or contents placed in the safe deposit box, including but not limited to drilling, third-party charges, storage, mailing costs, advertising and sale of contents. You will pay us any further amount needed to fully pay the amounts when we ask you to do so. On the other hand, if proceeds remain after paying the rent and other charges due, then this surplus will be disposed of under the law.

Other Provisions We will mail any notice to you to your latest address as shown on our safe deposit box records. Unless we receive a written notice from you of your new address, your latest address, as provided at the time of this agreement, is the correct one for all purposes. Each of you agree to tell us in writing of the death, bankruptcy or incapacity of any of you before you seek to enter your safe deposit box. We may change these rules and rental charges periodically. We will post the new rules and rental charges in the safe deposit box department for 30 days before the change takes effect and/or give such other notice as the applicable law may call for. Additionally, from time to time, we may offer promotions or special pricing programs for safe deposit boxes. Special restrictions or criteria for eligibility may apply. These promotions and programs may expire at any time, at which time the annual rent for your safe deposit box may change. Such programs and promotions will not be available to you once they expire or if you fail to meet eligibility criteria at any time.

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