Personal Account Charges Form Huntington Plus Checking Account

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• Unlimited check writing• Free Identity Theft Resolution with $10,000 CoverageIncludes identity theft resolution assistance, identity theft resolution toolkit, on-line identity theft resource center, and up to $10,000of expenses reimbursed, related to confirmed identity theft. See the Identity Theft Insurance Benefit Summary for the terms andconditions. Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summaryand intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described.Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in alljurisdictions.Not FDIC insured, Not insured by any federal government agency, Not obligations of, deposits of, or guaranteed by TheHuntington National Bank or its affiliates.Other Companion Services Included with Your Account:• Money Market and Savings AccountsWaiver of money market and savings account minimum balance fee and monthly maintenance fee. You will be responsible for anyfees for ATM transactions charged by the owner of a non-Huntington ATM or other terminal, and such fees may be included as partof the withdrawal amount.• Annual fee waived for Small Safe Deposit Box- Limit one and subject to branch availability• No Huntington charge for Traveler’s Cheques, Money Orders, Cashier Checks and/or Notary Service, butHuntington charges for Traveler’s Cheques for Two.• First year annual fee waived on a Huntington Investment Company IRA if the investments in the IRA containat least $5,000 in Huntington Funds.Investing in Huntington money market funds not included in this offer. A Huntington Funds IRA Fee Waiver Coupon is to becompleted by a registered investment representative and attached to the Huntington Investment Company Application or TradeTicket. The funds are distributed by Unified Financial Securities, Inc. (Member FINRA) a wholly owned subsidiary of HuntingtonBancshares Incorporated and an affiliate of Huntington Asset Advisors, Inc. the advisor to the Huntington Funds.The Huntington National Bank, a subsidiary of Huntington Bancshares Incorporated, is the Administrator and FinancialAdministrator of the Huntington Funds and is the custodian of The Huntington Money Market Funds. Huntington Asset Advisors,Inc., a subsidiary of The Huntington National Bank, serves as Investment Advisor to the Funds. Huntington Asset Services, Inc., isthe Sub-Administrator and Unified Financial Securities, Inc. is the Distributor of the Huntington Funds, and both are wholly ownedsubsidiaries of Huntington Bancshares Incorporated and an affiliate of Huntington Asset Advisors, Inc. the advisor to theHuntington Funds. Huntington Asset Services, Inc., an affiliate of The Huntington National Bank, provides transfer agencyservices. Federated Securities Corp. is the distributor of Federated money market fund.Mutual funds, including money market funds, are: Not FDIC insured, Not insured by any federal government agency, Notobligations of, deposits of, or guaranteed by The Huntington National Bank or its affiliates, May Lose value.Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money byinvesting in the Funds.For more complete information about the Huntington Funds, call 1-800-253-0412, see your investment representative or visitwww.huntingtonfunds.com for a prospectus. You should consider the fund’s investment objectives, risks, charges and expensescarefully before you invest. Information about these and other important subjects is in the fund’s prospectus, which you should readcarefully before investing.Page 2 of 6
OverdraftsAn overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We may payoverdrafts at our sole discretion, but we are not required to do so and we may return the item or entry instead. We charge fees forpaying overdraft items or entries or for returning them. However, we will not charge any fees resulting from paying overdrafts forATM and one-time (everyday) debit card transactions if you have not asked us to authorize and pay these transactions.Overdraft Fee and Return FeeWe determine the amount of the fee for overdraft or returned items or entries on any given day based on the total number ofoccurrences during the 1-year period ending and including that day:Occurrences Overdraft Fee Return Fee1 $23.00 per item $23.00 per item2+ $37.50 per item $37.50 per itemOccurrences: An “occurrence” means a day for which there isat least one item or entry in your account to cover, whether wepay or return the item or entry and whether or not we charge afee.Overdraft Fee: For paying each item or entry that overdrawsyour account. Examples are overdrafts created by check, draft,in-person withdrawal, debit card purchase, ATMs withdrawalor other electronic means. There is a limit of 4 overdraft feesper day and we will not charge the fee unless your account isoverdrawn by $5.00 or more.Return Fee: For returning (and not paying) each item or entrywhen there are not enough funds in the account. Examples arereturns of checks, drafts, or transfers or withdrawals byelectronic means. There is a limit of 4 return fees per day.Extended Overdraft FeeIf your account is overdrawn by any amount for 5 or more consecutive days, we will charge an extended overdraft fee of $7.00 foreach day. We will not charge this fee for any day that your account is overdrawn by less than $10.00. We may limit the number ofconsecutive days for which this fee is charged. This fee is not charged on personal savings accounts.24-Hour GraceFor any business day that your account is overdrawn at the end of the day and one or more overdraft fees are incurred, we will waivethose overdraft fees if your account is not overdrawn by the end of the next business day. A “business day” does not includeSaturdays, Sundays or federal holidays even if one or more of our branches are open on those days. For example, we will waiveoverdraft fees incurred on Friday if your account is not overdrawn by the end of the day on the following Monday.Any deposit or transfer to cure the overdraft must be made prior to our applicable cut-off time on that next business day for themanner in which you deposit or transfer the funds. In figuring the amount needed to cure the overdraft, remember to take intoconsideration other checks, withdrawals, transfers, fees or debits that may be posted to your account that will affect the amount needto cure. Also, the full amount of any deposit or transfer may not be available to cure the overdraft depending on the circumstances,such as a deposit at an ATM.24-Hour Grace®does not apply to extended fees or return fees, nor does it affect the number of overdraft occurrences for purposes ofdetermining the amount of an overdraft fee.®Page 3 of 6
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Personal Account Charges Form Huntington Plus Checking Account

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