Total Relationship Core Deposit BalanceYour Total Relationship Core Deposit Balance for any checking account statement period is the sum of the following:• The average daily balance for the checking account for that statement period. This is determined by adding together thebalances at the end of each day in that statement period and dividing by the number of days in that statement period.• <strong>Plus</strong>, the average daily balance for each money market account and savings account you have with us that you ask us to includein this balance calculation. For each of these accounts separately, we determine the average daily balance by adding togetherthe balances at the end of each qualifying day and dividing by the number of qualifying days. Qualifying days are each day inthe time period of up to 31 days that ends on the statement date for the checking account. The number of qualifying days weuse to determine the average daily balance for any money market or savings account depends on the timing of the statementperiod for the applicable money market or savings account. Unless the statement period for the money market or savingsaccount is exactly the same as the statement period for the checking account, the number of qualifying days will be less thanthe full number of days in the statement period for the money market or savings account as illustrated by the followingexample:TOTAL RELATIONSHIP CORE DEPOSIT BALANCE EXAMPLE<strong>Checking</strong> account statement period = calendar month: 12/1 through 12/31.thSavings account statement period = 11 of the month to 10 of following month: 12/11 through 1/10.Average daily balance for the checking account is the checking account balances from the end of each day from12/1 through 12/31 (31 days) added together and divided by 31 = $X.Average daily balance for the savings account is the savings account balances from the end of each day from12/11 through 12/31 (21 qualifying days) added together and divided by 21 = $Y.Each of the two average daily balances are added together to get the “Total Relationship Core Deposit Balance”($Z) for that checking account statement period: $X + $Y = $Z.thThe <strong>Huntington</strong> National Bank is an Equal Housing Lender and Member FDIC. ® , <strong>Huntington</strong> ® , and24-Hour Grace ® are federally registered service marks of <strong>Huntington</strong> Bancshares Incorporated.Patent pending for the 24-Hour Grace ® system and method.©2012 <strong>Huntington</strong> Bancshares Incorporated.<strong>Plus</strong> 12MarPage 6 of 6
Identity Theft Insurance Benefit SummaryUp to $10,000 in financial relief in the event Your identity is stolen.IDENTITY THEFT INSURANCESUMMARY DESCRIPTION OF BENEFITS FOR THE PERSONAL INTERNET AND IDENTITYCOVERAGE MASTER POLICYThe Master Policy of <strong>Personal</strong> Internet Identity Coverage for New York Insureds and non-New York Insureds (collectively, the “Master Policy”) have beenissued to: The <strong>Huntington</strong> National Bank (the “Master Policyholder”), Policy Numbers: 1423481 and 7078194, respectively, underwritten by insurancecompany subsidiaries or affiliates of Chartis Inc., to provide benefits as described in this Summary.This Summary is provided to inform You that You are entitled to benefits under the Master Policy as a member of The <strong>Huntington</strong> National Bank, which is amember of the Master Policyholder. This Summary Description of Benefits does not state all the terms, conditions, and exclusions of the Master Policy.Your benefits will be subject to all of the terms, conditions, and exclusions of the Master Policy, even if they are not mentioned in this Summary.INSURANCE COVERAGEInsured Aggregate Limit of Insurance: $10,000 per policy periodLost Wages: $1,500 per week, for 5 weeks maximum per policy periodDeductible: $0 per policy periodWe shall pay You for the following Losses incurred as a result of a Stolen Identity Event:a) Costs:i. Costs incurred by You for re-filing applications for loans, grants, and other credit or debt instruments that are rejected solely because thelender received from any source incorrect information as a result of a Stolen Identity Event;ii.iii.iv.ii.Costs for notarizing affidavits or other similar documents, long distance telephone calls, and postage reasonably incurred as a result of Yourefforts to report a Stolen Identity Event or amend or rectify records as to Your true name or identity as a result of a Stolen Identity Event;Costs incurred by You for a maximum of six (6) credit reports from an entity approved by Us. The first credit report may not be requested untilafter the discovery of a Stolen Identity Event;Actual lost wages that would have been earned in the United States, whether partial or whole days, for time reasonably and necessarily takenoff work and away from Your work premises solely as a result of Your efforts to amend or rectify records as to Your true name or identity as aresult of a Stolen Identity Event. Actual lost wages includes remuneration for vacation days, discretionary days, floating holidays, and paidpersonal days but not for sick days or any cost arising from time taken from self-employment. Coverage is limited to wages lost within twelve(12) months after Your discovery of a Stolen Identity Event.b) Legal Cost: Costs for reasonable fees for an attorney appointed by Us and related court fees, incurred by You with Our consent, for:i. Any legal action brought against You by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods orservices or default on a loan as a result of a Stolen Identity Event;Removing any civil judgment wrongfully entered against You as a result of a Stolen Identity Event; andiii. Criminal defense for charges brought against You as a result of a Stolen Identity Event. However, We will only pay for Your criminal defenseafter it has been established by acquittal or dismissal of charges that You were not in fact the perpetrator.DEFINITIONSBodily Injury means: bodily harm, sickness or disease, including required care, loss of services and death that results.Business means: any employment, trade, profession, or occupation, including farm operation and the raising or care of animals.Customer Membership Period means: the period commencing on the date an Insured enrolls in a Membership Program of the Master Policyholder(provided the Master Policy is actively held by the Master Policyholder at such time) and ending on the earlier of the expiration date of the Master Policy,the date of cancellation of the Master Policy or the termination of such Insured's enrollment in a Membership Program.Family Member means: Your spouse, sibling, parent, grandparent, child, grandchild, niece or nephew.Insured, You, Your, and Yours means: the natural person on record with Us as enrolled in a Membership Program(s) of the Master Policyholder at thetime of a Stolen Identity EventLoss means: Costs and Legal Costs as described in sections a and b under Insurance Coverage.Membership Program means: those membership programs sponsored by the Master Policyholder and that are specifically listed by endorsement ascovered programs under the Master Policy.<strong>Personal</strong> Injury means the following injuries, and resulting death:1. Shock, humiliation, mental anguish, or mental injury;2. False arrest, imprisonment, or detention;3. Wrongful entry into, or eviction of a person from, a room, dwelling, or premises that the person occupies;4. Bodily Injury;5. Malicious prosecution;6. Libel, slander, defamation of character, or disparagement of a person’s or organization’s goods, products, or services; or7. Invasion of privacy.
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