HUNTINGTON PERSONAL ACCOUNT DISCLOSURES

1 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 PERSONAL ACCOUNT DISCLOSURES23To Our Valued Customers: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 and services.

2 Contained within is information about PERSONAL deposit accounts, including Certificates of Deposit and Individual Retirement ACCOUNT Plans one or more of which may apply to you. Please keep this booklet with your other important documents, and refer to it whenever the need arises. Again, thank you for allowing us to be of service to you. You and your mean the owner(s) of the ACCOUNT . We, us and our mean The HUNTINGTON National OF CONTENTSP ersonal AccountsI. Changes in PERSONAL Deposit ACCOUNT Terms and Conditions ..3II. The HUNTINGTON National Bank Arbitration Provision for Deposit Accounts.

3 8 III. Provisions Applicable to PERSONAL Checking Accounts (Asterisk-Free, HUNTINGTON Plus and Employee Plus) ..11IV. PERSONAL ACCOUNT Charges Form for PERSONAL Checking Accounts (Asterisk-Free, HUNTINGTON Plus and Employee Plus) ..28V. Funds Availability Policy Applicable to All PERSONAL Checking Accounts ..41VI. Agreement and Disclosure of ACCOUNT Terms and Rules and Regulations for PERSONAL Savings and Money Market Accounts (Premier Savings, Premier Money Market and Premier Plus Money Market) ..46 VII. PERSONAL ACCOUNT Charges Form for PERSONAL Savings and Money Market Accounts (Premier Savings, Premier Money Market and Premier Plus Money Market).

4 62 VIII. Certificate of Deposit ACCOUNT Agreement and Disclosure of ACCOUNT Terms and Rules and Regulations ..72IX. Individual Retirement ACCOUNT Plan ..85X. Electronic Transfer Agreement and Disclosure Statement ..95XI. Electronic Banking Services Agreement and Disclosure Statement ..102 XII. FDIC Insurance Information ..109 XIII. Notice for Checking Reserve or Credit Line Accounts ..109 XIV. Safe Deposit Box Agreement ..110 PERSONAL ACCOUNT DISCLOSURESI. CHANGES IN PERSONAL DEPOSIT ACCOUNT TERMS AND CONDITIONSThe Rules and Regulations for Deposit Accounts referenced in this ACCOUNT disclosure booklet are effective as of the date your accounts are transferred to HUNTINGTON .

5 Your designated checking, money market and savings ACCOUNT (s) will be governed by The HUNTINGTON National Bank ( HUNTINGTON ) Agreement and Disclosure of ACCOUNT Terms and Rules and Regulations ( Rules and Regulations ). Your designated Certificates of Deposit, which renew on or after the effective date 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 Transfer Agreement and Disclosure Statement, and Customer Information Privacy Notice.

6 Additional information is included in the PERSONAL ACCOUNT Charges Form. The Rules and Regulations replace the Deposit Agreement and DISCLOSURES of your ACCOUNT and all other DISCLOSURES previously provided to you for your Bank of America have highlighted below some of the differences between your current ACCOUNT terms and the new terms. We ask you to read the entire Rules and Regulations and all other ACCOUNT Deposit Accounts The ACCOUNT Documents are subject to an Arbitration Provision, which you should read carefully. If a dispute between you and us is arbitrated, the Arbitration Provision will substantially affect your rights , including your right to have a court trial or to bring, join in or participate in a class action.

7 HUNTINGTON defines a dormant ACCOUNT as one on which you do not initiate activity for a substantial period of time. In that event, we may charge dormant ACCOUNT fees on the ACCOUNT , in addition to other charges. (See Unclaimed Funds and Dormant Accounts and also the PERSONAL ACCOUNT Charges Form included in this booklet.) We have described the rules applicable to ACCOUNT ownership in greater detail. (See ACCOUNT ownership , Transferring ownership , Joint Accounts, Joint ACCOUNT survivorship rights , Liability of Joint ACCOUNT Owners, Accounts Payable on Death and Accounts for Minors.)

8 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 Attorney or similar to continue to have access to the ACCOUNT , you must add them as a joint owner on the ACCOUNT . Please consult the Joint rights of survivorship section before adding a joint owner to your ACCOUNT . 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 .)

9 We have further clarified the information contained in the Subaccounts State and local government checks and cashier s, certified or teller s checks, if they are payable to you and if you use a special deposit slip available, upon request, at our banking offices; and Traveler s Cheques, during the first thirty (30) calendar days a new ACCOUNT is open, if they are payable to you and if you use a special deposit slip available, upon request, at our banking offices. Electronic direct deposits will be available on the designated effective date of the transaction.

10 (See Availability of Electronic Deposits and Availability of Other Deposits. ) Applicable cut-off times are posted in each banking office if the cut-off time doesn t coincide with the Branch closing time on a business day. Please note the earliest cut-off time for deposits made in person to one of our employees is 2:00 local time. The earliest cut-off time for deposits made at automated teller machines (ATMs) will be 12:00 If a later cut-off time is applicable, it will be posted at the ATM. The Night Depositories are not available for you to make deposits when HUNTINGTON Offices are open.