Electronic Consent Document Huntington Online Services Agreement

                   Effective as of May 5, 2019

Huntington Online

Services Agreement

Huntington Online Services Agreement ("Agreement")

Welcome to Huntington and thank you for using our online or mobile banking services, which we like to refer to as Huntington Online Services. With Huntington Online Services, all you need is a connected device and you can pay bills, view accounts, manage your money, deposit checks, and more.


This Agreement explains how Online Services works and includes the terms and conditions that apply when using them. Please review to familiarize yourself with the terms of the service. Remember, this is a contract, so please read carefully. This Agreement is in addition to those agreements that apply to other accounts or services you obtain through us.


As always, if you have any questions, please reach out to us. We love answering questions. Thanks again for banking with Huntington.


Let’s get started.

TABLE OF CONTENTS

TABLE OF CONTENTS

I. Key Terms You Should Know

II. Account Access & Authorization

Eligible Accounts

Individual Online Services Agreement

Device & Equipment

Login Credentials

Delegated Access

Company Representative If You Are A Business Entity

III. Moving Your Money

The Basics

Transfers

Bill Pay

Stopping or Changing Payments or Transfers

Liability-Yours and Ours - Authorized & Unauthorized Transactions and Errors

Zelle

IV. Mobile Deposits

V. Staying in the Loop

The Hub

Alerts & Text Banking
VI. Fees

VII. Privacy & Security

VIII. General Terms (the fine print)
Changing Terms and Terminating this Agreement

No Waiver

Notices and Communications

Recording

Attorney Fees

Indemnities

Signatures

Governing Law

KEY TERMS YOU SHOULD KNOW

I. KEY TERMS YOU SHOULD KNOW

Online Services: the services and products provided under this Agreement, either now or in the future, that are made available through our online, mobile, or other digital channels.

Business Day: Monday through Friday, excluding Federal Holidays.

Login Credentials: the username and password or other biometric feature, such as fingerprint or face scan, that you use to securely access Online Services.

Business account: an account established primarily for business use.

Consumer account: an account established primarily for personal, family, or household use.

Delegate: a person to whom you grant access to your online account(s).

Company Representative: for business entities this means anyone we reasonably believe to be authorized to act on your behalf in connection with the Online Services subject to this Agreement.

Payee: any person or entity to which you designate a bill payment should be sent.

Send On: the date you’d like Huntington to send your bill payment. The funds for the bill payment will be deducted from the account you designate on the Send On date you provide.

Deliver By: the date we anticipate your bill payment will be delivered to your designated Payee. When you attempt to choose a Send On date you will be informed of the earliest available Deliver By date.

ACCOUNT ACCESS AND AUTHORIZATION

II. ACCOUNT ACCESS AND AUTHORIZATION

Eligible Accounts

°We will tell you which types of accounts qualify for Online Services. Eligible account types may change from time to time.

Individual Online Services Agreement

oAny account you have access to through Online Services may be jointly owned or have joint obligations with another individual; however, we do not have joint agreements for Online Services. If you are an individual or a sole proprietor, you are the only customer under this Agreement. If joint account owners/obligors each want to use Online Services, they will be identified as separate Online Services customers and will have separate Login Credentials.

Device and Equipment

oYou are responsible for obtaining, installing, maintaining and operating all hardware, software and Internet access necessary for using Online Services.

Login Credentials

oTo use Online Services, you must establish your Login Credentials. Your Login Credentials consist of a username and password that you create.

oTo better protect yourself you should:

°Keep your Login Credentials confidential to prevent unauthorized access to your accounts.

°Not share your Login Credentials with anyone. Anyone you share your username and password with will have access to all of your accounts that are accessed with that username and password.

You agree that if you provide your Login Credentials to any other person or entity, you are authorizing that person or entity to act as your agent, and you understand that we will rely and act upon all instructions received using your Login Credentials. We are not liable even if your agent exceeds the scope of authority granted by you.

°Treat your personal information, such as social security number, date of birth,and answers to your challenge questions with the same level of care as you treat your account information.

oNeither Huntington nor any of our affiliates will contact you via phone or e-mail requesting your Login Credentials. If you are contacted by anyone requesting this information, please notify us immediately at 800-480-2265.

oYou may have the option to use a biometric feature (such as a fingerprint or a face scan)to authenticate your identity and access Online Services. If you choose to activate a biometric feature, it is your responsibility to control access to Online Services just as you would with your username and password. You acknowledge that any person who has a biometric feature stored in your device may be able to access your accounts that you access through Online Services.

Delegated Access

oFor some accounts we will allow you to grant account access through Online Services to a Delegate. Your Delegate will establish a username and password which will allow your Delegate to access your account information and perform online tasks on your behalf.

oBy designating a Delegate, you authorize your Delegate to access your account(s) and perform tasks for you, and you authorize us to act upon instructions received from your Delegate.

oWe are not liable even if your Delegate exceeds the scope of authority granted by you.

Company Representative  If You Are A Business Entity

oIf you are a corporation, partnership, limited liability company, association or some other form of business entity, we will issue one set of Login Credentials to a Company Representative. It is your responsibility to ensure that Login Credentials are provided only to persons you authorize. You represent to us that each Company Representative and anyone else using your Login Credentials has general authority from your company to give us instructions to perform transactions using our Online Services.

MOVING YOUR MONEY

III. MOVING YOUR MONEY

The Basics

oWith Online Services, you can transfer funds, pay bills, establish recurring payments,and send money to friends and family. We may offer additional services from time to time, and your use of those services indicates you agree to be bound by all terms and conditions that apply to those services.

oGeneral Limits: the following limits apply to all payments and transfers made through Online Services:

°All payments and transfers must be in U.S. Dollars.

°You must have enough available money or credit in any account from which you instruct us to make a payment or transfer.

°Money market accounts: if an eligible account with us is a money market account, certain types of withdrawals, including payments and transfers, are limited to no more than 6 in a monthly statement period.

°Savings deposit account: if an eligible account with us is a savings deposit account, certain types of withdrawals, including payments and transfers, are limited to no more than 6 in a calendar month.

oSecurity Limits: for security reasons we may:

°Limit the number or amount of transactions you can make using Online Services;

°Limit or suspend your access to Online Services; and

°Limit access to Online Services from countries other than the United States.

oOther Limits: we may also have certain other limits on the number or amount of transactions. These limits may vary by customer and may change over time.

oStatements

°Your payments and transfers will be listed on your account statements.

°You agree to notify us promptly if:

You change your address;

You believe there are any errors on any statement or in any statement information;

You believe there are any unauthorized transactions in any statement.

oTo the extent the automated clearing house (“ACH”) network is used to facilitate your payments or transfers, you and we agree to be bound by the National Automated Clearing House Rules.

oPayments and Transfers When You Don’t Have Enough Money

°If you instruct us to make a payment or transfer and you do not have enough money in the account from which you are making the payment or transfer(including available credit under any credit line or credit card, overdraft line or overdraft protection plan), we may refuse to complete the transaction. We may do this even if there is enough money in accounts other than the one you were using to make the payment or transfer.

°If we complete a payment or transfer that you make or authorize and we subsequently learn that you don’t have enough money for the transaction in the account from which the payment or transfer is made, you agree that we may reverse the transaction or offset the shortage with money from any other account you have with us.

°In any case, you are fully obligated to provide us with enough money for the payment or transfer you make or authorize.

°If we do not make (or we reverse) a payment or transfer because you don’t have enough money, we are not required to make any further attempt to process the payment or transfer or to notify you that the transfer has not been completed. You may be liable for a non-sufficient funds fee under the terms governing the account from which you made, or attempted to make, the payment or transfer.

Transfers

oStart moving your money the simple way. Quickly transfer funds between your accounts at Huntington or other banks. Set up recurring or one-time transfers to manage your money, your way. Keep the following in mind:

°Eligible Accounts:

We will tell you which accounts qualify. You must be a named owner on the account or be an authorized Delegate.

If any transfer is from a personal credit line or credit card account, the transfer provides credit under the terms previously disclosed for your personal credit line or credit card account.

°Limits on Transfers

As described above, we may limit the number or amount of transfers you can make. Limits are typically posted in the transfer section within Online Services for your review.

Transfers from a credit card account are considered “cash advances.” This means they are subject to the limits and fees previously disclosed in your credit card account agreement.

°When Online Transfers Are Made

Transfers are not final at the time we receive your instructions, but we will begin to process them promptly.

oYou should allow 1 Business Day for us to process transfers between eligible accounts with us.

oYou should allow 3 Business Days for us to process transfers between an eligible account with us and an eligible account with another financial institution.

Each transfer will be posted to the account with us from which it is made, and any other account with us that is involved in the transaction,on the Business Day on which the transfer is made.

Each transfer you make on a non-Business Day, or after our transfer cutoff time on any Business Day, will be considered made on the following Business Day.

Recurring Bank-to-Bank transfers that will fall on a weekend, bank holiday, or at the end of a month with less than 31 days will be scheduled for the previous Business Day.

Transfers to a Huntington Credit Card made before midnight ET will be credited to the account as of that day.

oWe will inform you of the transfer cut off times in any manner we choose, but usually the cut off time is posted in the transfer section within Online Services.

Please keep in mind that information you obtain about your accounts using our Online Services may not reflect transactions that have not yet posted to your accounts.

Bill Pay

oBill Pay allows you to pay bills digitally. It’s simple. You tell us how much the payment should be, who to send it to, and when to send it, and we’ll handle it for you.

oEligible Accounts

°All you need is a Huntington checking account with Online Services. You must be a named owner on the account or be an authorized Delegate.

°Eligible accounts will appear within the Bill Pay section of your account. If you have more than one eligible account, you may designate a default account that will automatically be used.

oPayees

°You set up your Payees just once. Payees can include:

people,

companies,

you (if you want to make payments to accounts in your name with us or other financial institutions), or

Huntington (if you wish to make payments to us.)

°Please note, payments outside the United States are not permitted, except payments to Payees in Puerto Rico or the U.S. Virgin Islands

°In order to add a Payee, you will provide us with the required information. You are responsible for keeping this information up to date, and providing us with any changes.

°All Payees may be compared against the Office of Foreign Asset Control’s (“OFAC”) Specially Designated National (“SDN”) list or any other list compiled by the U.S. Treasury’s OFAC. If any payment is made to a Payee who is a match or a potential match (as determined by us) to the SDN list or any other list compiled by the U.S. Treasury’s OFAC, we may place a stop payment on any of those payments sent by mail.

oTypes of Bill Pay Transactions

°You, or an authorized Delegate, can instruct us to perform the following transactions via the Bill Pay service:

Make one-time payments or recurring payments that do not vary in amount to Payees you designate.

°You are not permitted to send tax payments, court ordered payments,payments for gambling debts or payments otherwise prohibited by law via Bill Pay. Huntington is not liable for these transactions.

°You agree no Bill Pay payment will violate or violates any U.S. law.

oPayment Method

°Payments are sent either electronically or by mailed check.

°Payment method usually depends on the Payee’s determined method of receiving payments.

°We indicate within Bill Pay if we will send the payment electronically or via mailed check.

°We may change the method (electronic or mailed check) by which we send a payment to a Payee. Unless required by law, we will not provide you notice of this change.

oScheduling a Bill Payment

°Payments are not final at the time we receive your instructions, but we will begin to process them promptly.

For payments that will be mailed via the U.S. Postal Service, please choose a Send On date at least 5 Business Days before the due date.

For payments that will be sent electronically, please choose a Send On date at least 2 Business Days before the due date.

°Regardless of delivery method, once you choose a Send On date you will be informed of the earliest available Deliver By date.

While we anticipate that most payments will be delivered by the Deliver By date, there may be circumstances beyond our control that may result in a delay. For example, mailed checks may be lost or delayed by the U.S. Postal Service. We also can’t predict the exact date that a payment will be posted by the receiving Payee.

°Each payment will be withdrawn from the account from which it is made on the date you have specified. Any payment made after our Bill Pay cut-off time or on a non-Business Day will be considered made on the following Business Day.

°The Bill Pay cut-off time is available on our website and mobile app.

oMemo Line

°We may permit you to create a memo line for payments.

°The character limit for the memo line will be listed within Bill Pay. We may change the character limit without notice.

°If your payment is sent electronically, we will store the memo line for you, but your Payee will not see the memo line.

°If we send your payment by mail, your Payee may see the memo line.

°You agree not to use any obscene, lewd, or harassing language in any memo line.

oNotice of incomplete transactions

°You agree to notify us promptly if you receive notice from a Payee that a payment you made through our Bill Pay service has not been completed or remains unpaid.

Stopping or Changing Payments or Transfers

oIf you want to stop or change payments or transfers that you have instructed us to make, you must notify us before we have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions.

°If it’s before our cut-off time you may be able to simply delete or change the payment or transfer through Online Services.

°To stop preauthorized recurring transactions you can call us at 1-800-480-2265,or write to The Huntington National Bank, 5555 Cleveland Avenue (GW2W40)Columbus, Ohio 43231, in time for us to receive your request 3 Business Days or more before the payment or transfer 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 may charge you our regular stop-payment fee for each stop-payment order you give.

oIf you order us to stop any of these payments or transfers 3 Business Days or more before it is scheduled, and we do not do so, we will be liable for your losses or damages.

oA stop payment request will only stop a particular payment or transfer. You must tell us if you want all scheduled future payments cancelled. You should also contact the person or company with whom you arranged for the preauthorized recurring electronic payment or transfer.

Liability-Yours and Ours - Authorized & Unauthorized Transactions and Errors

oConsumer accounts

°Your Liability for Authorized Transactions. You are liable for all transactions that you authorize. This includes transactions made by someone with whom you have shared your Login Credentials, even if that person exceeds your authority.

°Your Liability for Unauthorized Transactions for Consumer Accounts. Notify us IMMEDIATELY for Unauthorized Transactions

Tell us AT ONCE if you believe your Login Credentials have been lost, stolen, or otherwise compromised or used without your authorization. Calling us is the best way of reducing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit), or you could be liable up to $50 on your credit card account. Refer to your personal credit line agreement to determine liability on that account.

You may call us at 800-480-2265 or write to us at Huntington Customer Service (GW5C42), P.O. Box 1558, Columbus, Ohio 43216. If we provide you with another electronic means of notifying us for this specific purpose, you may use that means. However, DO NOT use a general e-mail service or other electronic means that we have not specifically authorized for this purpose.

If you tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials, you can lose no more than $50.00 if some one used them without your authority.

If you do NOT tell us within 2 Business Days after you learn of the loss of your Login Credentials, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.

Check your statement: If your statement shows electronic transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us 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 periods.

°Our Liability for Failure to Complete Transactions From Consumer Accounts

If we do not complete an electronic banking transaction from your consumer account on time or in the correct amount, we will be liable for your losses or damages unless an exception applies such as:

oDue to no fault of ours, you do not have enough money or credit in your account to make the transaction, or if the account has been closed or is not in good standing.

oDue to no fault of ours, a transaction to or from an account at another financial institution is not completed or is otherwise not successful.

oThe transaction would go over the credit limit of any overdraft line or credit card account you may have with us.

oThe equipment or system is temporarily out of service, closed for maintenance or is not working properly, and you knew about this when you started the transaction.

oThe money in the account you are accessing is subject to legal process or other claim restricting the transaction.

oYou have not properly followed our instructions or if you provide us with wrong or inaccurate information.

oIf you receive notice from a Payee that any payment you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact.

oIf the Payee was a person or entity that you are not permitted to designate as a merchant (see the Payees section above).

oIf you do not instruct us soon enough for your payment to be received and credited by the time it is due.

oIf a Payee (other than us) does not process your payment promptly or correctly.

oCircumstances beyond our control (such as fire or flood) prevent the transaction despite reasonable precautions we have taken. For example, delays or losses of check payments by the U.S. Postal Service, delay by the Payee in posting the payment once received, etc.

oIf we do not process a payment or place a stop payment on it because the Payee is a match or a potential match (as we determine) to the SDN list or any other list compiled by the U.S.Treasury’s OFAC.

°Errors or Questions About Transactions Involving Consumer Accounts

Reporting: How, When, Where and What:

oCall us or write to us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction. You may call our toll-free number, 1-800-480-2265, or write to The Huntington National Bank, GW4W61P.O. Box 1558, Columbus, Ohio 43216.

oWe must hear from you no later than 60 days after we sent (or made available) the FIRST statement on which the problem or error appeared. Please provide the following information:

Your name and account number (if any).

A description of the error or the payment or 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.

The dollar amount of the suspected error.

oNOTE: If you tell us orally, we may require that you send us your complaint or question in writing so that we receive it within 10 Business Days.

oIf the account is at another financial institution, we will extend by a reasonable time the 60-day period if a delay resulted from an initial attempt by you to notify the account-holding financial institution.

Our Investigation:

oTiming: We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.

oProvisional (i.e. Temporary) Credits: 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 within 10 Business Days for the amount you think is in error, so that you will have use of the money during the time it takes 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 provisionally credit your account.

oNew Accounts: For errors involving new accounts, we may take up to 90 days to investigate your complaint or question and we may take up to 20 Business Days to provisionally credit your account for the amount you think is in error. For purposes of this section, your account would be a new account if the error occurs within 30 days after the first deposit to the account was made.

oNotice of Results: When the investigation is completed, we will make any necessary or appropriate adjustments to your account. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error or the error was different than you described, we will send you a written explanation. If we determine that there was an error, we will correct the error within 1 Business Day after we determined the error occurred. You may ask for copies of the documents that we used in our investigation.

°Errors or Questions About Transactions Involving Consumer Credit Card Accounts

Reporting: How, When, Where and What:

oIf you think your bill or a transaction is wrong, or if you need more information about a transaction, write to us at Huntington National Bank-Dispute Resolution P.O. Box 1558 GW4W61 Columbus, Ohio 43216.

oIn your letter, give us the following information:

°Account information: Your name and Account number.

°Dollar amount: The dollar amount of the suspected error.

°Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

oYou must contact us:

°Within 60 days after the error appeared on your statement.

°At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

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

Our Investigation:

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

°Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.

°Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

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

°We cannot try to collect the amount in question, or report you as delinquent on that amount.

°The charge in question may remain on your statement,and we may continue to charge you interest on that amount.

°While you do not have to pay the amount in question,you are responsible for the remainder of your balance.

°We can apply any unpaid amount against your credit limit.

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

°If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.

°If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

oIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

oIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.

Refer to your personal credit line agreement to determine what to do in case of errors or questions on that account under the section entitled “Your Billing Rights.”

oBusiness Accounts

°Your Liability for Business Accounts

You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you or a Company Representative have given someone your Login Credentials and want to terminate that person's authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your Login Credentials or take additional steps to prevent further access by such person.

Our system supporting Online Services is designed so that it may be operated only upon entry of valid Login Credentials. Since we condition access upon entry of valid Login Credentials, we will accept instructions for payments and transfers or other transactions from any person using valid Login Credentials. This is so even if the person obtaining access:

oIs not a Company Representative.

oExceeds your authority or that granted by any Company Representative.

oDoes not have your authority.

oHas had his/her authority changed or revoked.

oIs an imposter or thief.

You agree to be bound by all transactions from any Business account for which Login Credentials were used. You authorize us to treat any instructions we receive using valid Login Credentials as if the instructions had been made in writing and signed by the appropriate Company Representative. Unless there is substantial evidence to the contrary, our records will be conclusive regarding any access to, or action taken through, Online Services.

Notwithstanding the foregoing, we agree that you will not be responsible for transactions which occur after you have notified us to block the Login Credentials that were used to perform the transaction, and we have had a reasonable opportunity to do so. Thus, the sooner you notify us of a problem, the better you can keep your losses down.

You agree to promptly examine all account statements and any confirmations of payments which we or other banks may send or make available to you, and to promptly notify us of any discrepancy or error within 30 days of receipt of any such statement or confirmation.

Call us at 1-800-480-2001, or write us at Huntington Customer Service(GW5C42), P.O. Box 1558, Columbus, Ohio 43216 as soon as you can, if you think your statement is wrong or if you need more information about a payment or transfer covered by this Agreement which is listed on the statement.

If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.

°Our Liability for Business Accounts

We will make every reasonable effort to:

oProvide full performance of our Online Services; and

oResolve disputes on a timely basis.

We are only responsible for acting on instructions we actually receive.

We are not responsible for:

oMalfunctions, capacity reductions, or other problems in your equipment or in public communications networks not under our control that may affect the accuracy or timeliness of transactions you perform.

We are only liable for correcting errors within our control.

We are not liable for:

oAny loss, damage, or injury caused by our Online Services system.

oAny consequential, incidental, special, indirect or punitive loss or damage, including but not limited to dishonor of checks or other items or expenses which you may incur or suffer by reason of this Agreement or the services we provide, whether or not the possibility or likelihood of such loss, damage, or expense is known to us.

WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES WE PROVIDE YOU UNDER THIS AGREEMENT,INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.

Zelle

oZelle® is a peer-to-peer payment service that allows you to send, request, and receive money with people you trust.

oPlease see the Zelle Addendum for more information on this service.

MOBILE DEPOSITS

IV. MOBILE DEPOSITS

Introduction. Huntington Mobile Deposit allows you to take a picture of a check on your mobile device and deposit it into your account. Of course not all devices or checks will work with this service, keep reading for more detail.

Your Device. In order to use Mobile Deposit, your mobile device must work with the Huntington Mobile App. This may require you to obtain and maintain hardware and software.

Types of Checks. You can only deposit checks drawn on US financial institutions. All checks must be legible and conform to the technical standards set forth by the Federal Reserve Board, our regulatory agencies or processors. We are not responsible for rejection or delays associated with your deposit that result from poor image quality. You will not use Mobile Deposit to deposit any of the checks set forth below:

oTravelers checks, money orders, or savings bonds;

oChecks payable to any person or entity other than you;

oChecks payable in a currency other than U.S. dollars;

oChecks containing alterations which you know or should know to be fraudulent or not authorized by the owner of the account on which it is drawn;

oChecks that have already been deposited or that are in the process of being deposited;

oChecks on which a stop payment order has been issued;

oChecks for which there are insufficient funds;

oChecks that are not in their original form;

oChecks that otherwise violate these terms and conditions.

Limits. We may establish limits on the number and total amount of checks that may be deposited using Mobile Deposit. Limits may vary by customer and may change over time. Current deposit limits are available within the Huntington Mobile app. We may reject items in excess of these limits.

Cut-Off times. Please refer to the Huntington Mobile app for Mobile Deposit cut-off times. Deposits we receive after that time, or on a weekend or federal holiday, will be considered deposited on the next Business Day. Please keep these cut-off times in mind when depositing checks to fund an overdrawn account to qualify for a waiver of an overdraft fee.

Funds availability. The Funds Availability Policy for your checking account as well as the funds availability requirements of Federal Reserve Board Regulation CC (“Reg CC”) do not apply when you deposit checks through Mobile Deposit. Funds from deposits made through Mobile Deposit generally will be available for withdrawal between the first and second Business Day after the day of deposit. However, we may apply additional delays on the availability of funds based on any other factors as determined by us in our sole discretion.

oAll deposits are subject to our verification procedures and we may refuse, limit or return deposits for any reason and will not be liable for doing so even if those actions cause outstanding checks or other debits to your account to be dishonored or returned.

Endorsement

oEndorse the back of all checks with your signature and “For Mobile Deposit Only--Huntington Bank” prior to attempting to deposit a check through Mobile Deposit.

Check Storage

oAfter deposit, mark the check with the date of deposit and destroy it within 14 days after the deposit is credited to your account to prevent future deposit. Do not attempt to redeposit or negotiate the check with another party.

Disclaimer of Warranties

oYOU AGREE YOUR USE OF MOBILE DEPOSIT IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE FURTHER MAKE NO WARRANTIES THAT MOBILE DEPOSIT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.

Limitation of Liability

oYOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES, INCLUDING LOST PROFITS, REGARDLESS OF THE FORM OF THE ACTION OR THEORY OF RECOVERY,RELATED IN ANY WAY TO YOUR USE OF MOBILE DEPOSIT EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.

STAYING IN THE LOOP

V. STAYING IN THE LOOP

The Hub

oThe Hub is Huntington’s digital banking experience, built to help you look out for your financial future. The Hub, tools and models are for informational purposes only, and are not an official record of any Huntington account and should not be considered legal, tax or investment advice.

Alerts & Text Banking

oHuntington Alerts and Text Banking are two separate services provided by The Huntington National Bank. Alerts may be delivered as a text message, email message or push notification. The types of Alerts available may depend on the products that you have with us. For example, some products are eligible to enroll in both text and email Alerts and some products are only eligible for email Alerts.

oBy enrolling in Alerts or Text Banking, you agree to the following terms and conditions:

°Alerts and Text Banking are provided for your convenience only and do not replace your monthly account statement(s), which are the official record of your accounts.

°We may send messages through your communication service provider in order to deliver them to you. You agree that your communication services provider is acting as your agent in this capacity.

°We may send messages to you at any telephone number, e-mail address, mobile device (through our mobile app) or other delivery location (including wireless(mobile/cell phone) numbers) that you give to us or that we have for you or your account using any technology available including, but not limited to, prerecorded/artificial voice messages and/or automatic telephone dialing systems. We will determine in our sole discretion what information we make available through Alerts and Text Banking.

°Alerts and Text Banking may not be encrypted and may include personal or confidential information about you, such as your account activity or status. You agree to protect your communications device that receives information through Alerts or Text Banking and not to let any unauthorized person have access to the information we provide to you.

°Message frequency depends on user preferences and account activity but maybe delayed, undelivered or otherwise impacted by factor(s) pertaining to your Internet service provider(s), phone carriers or other parties and we do not guarantee the delivery of messages or the accuracy of the information contained in the messages.

°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 the messages;

Inaccurate content in the messages; or

Your reliance or use of the information in the messages.

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

°Alerts and Text Banking are only available to customers who have an eligible account with us. While you must have an eligible account to use these services,once it is activated, if you have other types of accounts with us, you may have access to those other accounts as well.

°There is no separate service fee for Alerts or Text Banking but you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges may include those from your communications service provider.

°TO CANCEL TEXT ALERTS OR TEXT BANKING SEND STOP TO 446622 AT ANYTIME. In response to your STOP message, you agree and consent that we or a third party acting on our behalf may send you a message confirming that you have elected to cancel. For help or information on these products, send HELP to446622. You will never receive a message from us that asks you to send us any sensitive personal or financial information such as your social security number or your account number. If you ever receive such a request for sensitive personal or financial information, do not respond to the message and call us at1-877-932-2265 to report the incident. For additional assistance, contact customer service at 1-877-932-2265.

°Push notifications can be stopped by following the prompts within our mobile app or through the settings of your mobile device.

oHuntington Fraud Alerts

°Huntington Confirm It. Huntington provides Confirm It fraud alerts that automatically notify you of suspicious activity on your credit and/or debit card accounts via text, email and/or automated phone call. You will not be charged for Confirm It texts. Message frequency varies and depends on card use. Mobile carriers are not liable for delayed or undelivered messages. For more information, refer to our Voice Credit Card Terms and Conditions, the Deposit Account Agreement for your account type or call 800-480-2265.

°Credit Card Holders: You can opt out of Confirm It texts and/or automated phone calls at any time. Opting out applies to your credit card account and all cards associated with that account. To opt out of receiving Confirm It texts, text STOP to 49847. By texting STOP to 49847, you agree to one additional confirmation message stating you have opted out and will no longer receive messages from Huntington Confirm It. For help, text HELP to 49847. To opt out of automated phone call fraud alerts, call 800-480-2265.

°Debit Card Holders: You can opt out of Confirm It texts and/or automated phone calls at any time. Opting out applies specifically to your debit card number. Other cards associated with your account will not be affected. If you are reissued a card with a new number, you will need to opt out again. To opt out of receiving Confirm It texts, text STOP to 49847. By texting STOP to 49847,you agree to one additional confirmation message stating you have opted out and will no longer receive messages from Huntington Confirm It. For help, text HELP to 49847. To opt out of automated phone call fraud alerts, call 800-480-2265.

FEES

VI. FEES

There are currently no fees for general access to Online Services or for use of Mobile Deposit. If that changes, we will provide you notice in advance. There may be account related fees or fees for certain services or transactions. Any fees will either:

oBe posted and available within Online Services for your review at the time of the transaction; or

oBe included in the disclosures provided to you when you opened your account.

PRIVACY & SECURITY

VII. PRIVACY & SECURITY

Disclosure of Information to Others

oInformation about your accounts may be disclosed as follows:

°To investigate or control fraud, security or similar risks.

°To investigate disputes or inquiries you initiate.

°To consumer reporting agencies.

°In connection with audits or any sale or transfer of your accounts or a Huntington company or division.

°To help complete a transaction you initiate, including information requested to verify the existence or condition of an account.

°When disclosure is required by law or to protect or enforce our rights.

°To comply with government agency examination or investigation.

°To companies that perform services for us in connection with your accounts,such as data processing and software companies and collection agencies.

°With your consent.

°As allowed by our Privacy Notice.

Please see our Online Privacy Policy for more information.

Security Procedures for Business Accounts

oBy entering into this Agreement and using our Online Services to perform transactions from Business accounts, you agree to comply with all of our present and future security procedures with respect to transactions and services covered by this Agreement. This includes, but is not limited to, protection of Login Credentials and other personal and business information. Our security procedures are contained in this Agreement and in other written procedures we may provide to you.

oYou agree that our current security procedures are commercially reasonable in the context of your business operations. We may at any time change our security procedures. We may advise you of such changes to the extent they affect your use of transactions and services under this Agreement, but failure to do so will not affect your obligations or our rights. You agree to give all of our security procedures the highest level of confidentiality and to ensure that no Login Credentials are used by or accessible to anyone other than persons you have authorized.

oYou acknowledge that the purpose of our security procedures is for verification of authenticity and not to detect errors. We are not liable for the failure of security procedures to detect errors.

GENERAL TERMS (THE FINE PRINT)

VIII. GENERAL TERMS (THE FINE PRINT)

Changing Terms and Terminating This Agreement

oThis Agreement will stay in effect until it is changed or terminated.

oChanges to this Agreement

°We may change the terms of this Agreement at any time. Unless the law requires us to send you a specific notice, we will decide what kind of notice we will give you and the method of providing the notice.

°You are not permitted to alter or amend this Agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

oTerminating this Agreement

°We have the right to terminate this Agreement at any time. We will ordinarily send you notice if any termination, but we are not required to do so unless applicable law requires notice. Once we terminate this Agreement, no further or pending payments will be made, including but not limited to any payments scheduled in advance or any preauthorized recurring payments.

°You may terminate this Agreement at any time by notifying us in writing. However any instructions from you to make payments will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending payments will be made, including but not limited to any payments scheduled in advance or any preauthorized recurring payments.

No Waiver

oIf we fail to exercise any of our rights within this Agreement or applicable law, such failure will not waive any of our rights.

Notices and Communications

oExcept as otherwise provided in this Agreement, notices we give you are effective when deposited in the U.S. mail addressed to the last address that we have for you, when made available to you through Online Services, or when sent to the last known e-mail address that we have for you.

oYou agree to notify us promptly of any change in your mailing address, e-mail address or telephone number.

Recording

oYou agree that we may record any telephone conversations you have with us regarding the services covered by this Agreement.

oHowever, we are not obligated to record these conversations, and we may choose not to in our sole discretion.

Attorney Fees

oIf we become involved in legal action to defend or enforce this Agreement, you agree to pay our reasonable attorney fees and court costs, to the extent not prohibited by law.

Indemnities

oIndemnification by Business Entity or an Individual Performing Transactions From A Business Account

°You agree to indemnify us and hold us harmless from and against any and all claims, demands, expenses (including but not limited to reasonable attorney fees and costs), losses or damages claimed by any third parties (including but not limited to any Company Representatives or other persons authorized to perform transactions) arising out of:

Any transactions or attempted transactions covered by this Agreement from a business account or

Your breach of this Agreement.

Signatures

oYou agree to the provisions of this Agreement (to the extent applicable as provided in this Agreement) by any and all of the following means:

°Using our Online Services to perform any transactions.

°Causing your Company Representative to physically sign this Agreement, if you are a business entity.

°Completing a separate electronic consent form to receive disclosures and enter into this Agreement electronically.

oYour electronic consent or use of our Online Services has the same effect as if you had signed this Agreement with your physical signature or that of your authorized Company Representative.

oYour electronic consent or use of our Online Services is also your acknowledgement that you have received a copy of this Agreement in paper form, or if you have provided a separate electronic consent, in electronic form. If you are offered or provided an electronic copy of this Agreement but would like to have a paper copy, please contact us 800-480-2265 or write us at Huntington Customer Service (EA5C42), P.O. Box 1558, Columbus, Ohio 43216 and we will forward a hard copy to you.

Governing Law

oRegardless of where you live or work or where you access Online Services, this Agreement is subject to the internal law of the state of Ohio and the federal law of the United States of America. If any of the terms of this Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.


 The Huntington National Bank is an Equal Housing Lender and Member FDIC.
 ®, Huntington ®,
 Huntington ® and Voice Credit Card ® are federally registered service marks of Huntington Bancshares Incorporated. Huntington Confirm It SM is a service mark of Huntington
 ® and Huntington ® are federally registered service marks of Huntington Bancshares Incorporated.

Member FDIC. © 2019 Huntington Bancshares Incorporated.

FORM: OnlineAccessBPAgree (05/19)