THE HUNTINGTON NATIONAL BANK CONSENT TO USE OF

ELECTRONIC RECORDS AND SIGNATURES

Affirmative Consent to Use Electronic Records and Signatures

In this Consent to Use of Electronic Records and Signatures, "we", "us", and "our" mean The Huntington National Bank,
Columbus Ohio. "You" and "your" mean the person, or their authorized agent, or the authorized representative on behalf of
a business (for example delegate or authorized signer) giving this consent. "Account" or "Accounts" mean each account
that you hold with us, transact upon, or view whether now or in the future. We may provide agreements, disclosures,
statements, notices, documents and communications ("Records") in electronic form. For Records that are required by law
to be provided or made available to you in writing ("Required Records"), you must affirmatively consent to receive them
electronically.

You also consent to sign documents electronically. Your electronic signature has the same effect as if you were signing in
ink.

If you do not consent, you will not be able to use electronic Required Records, or open accounts, obtain products and
services, or conduct transactions on our websites.

Providing Records to you in electronic form means making them available on our website, from whatever location or in
whatever way you access our website, or by sending them to you by email, fax, text message, mobile alert or in any other
form of electronic text communication.

Scope of Your Consent

Your consent applies to:

• Your Accounts accessible through our websites or mobile devices.

• All Accounts, transactions, products and services available on any of our websites, whether the account,
transaction, product or service is new for you or existing.
• All other Records we are not prohibited by applicable law from providing in electronic form.

Your consent includes, but is not limited to, categories of Records in connection with:

• Applying for or opening an account or obtaining a product or service.

• Servicing, maintenance, use, operation or closing of an account or product or service.
• Performing transactions on an account or in connection with a product or service.

Your consent supersedes any prior consent you have given us to use electronic Records.

Examples of the kinds of Records we may provide electronically include, but are not limited to: account agreements,
disclosures and fee schedules; rate sheets or other disclosures of interest rates; agreements and disclosures for various
types of services such as bill pay services, online fund transfer services, debit card and automated teller machine services,
telephone or text banking services, fund transfer services through the automated clearinghouse network or other
electronic networks; overdraft protection services agreements and notices; funds availability disclosures, hold notices
and other funds availability notices; privacy notices; account statements; change-in-terms notices; error resolution
notices; overdraft notices; remittance transfer documents; signature cards; notices relating to any breach of data
security; or taxpayer identification number certification or other tax forms.

Your consent also applies to tax statements we are required to provide to you that are related to a Mortgage Loan, if
applicable. "Mortgage Loan" means any consumer loan secured by a mortgage or deed of trust on real property or a
dwelling. Examples of the tax statements that we may deliver to you electronically include, but are not limited to, Forms
1098, 1098-E, 1098-T, 1099-A, B, C, CAP, DIV, H, INT, G, LTC, MISC, OID, PATR, Q, R, S, SA, 5498, 5498-ESA and 5498-SA.

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Additional types of tax statements may be added to the electronic delivery list from time to time. Eligible statements also
include Form W-2G (in most situations). The following additional provisions apply to tax statements that we make
available in electronic form:

• If you do not consent to receive tax statements electronically, a paper copy of tax statements will be mailed to
you at no cost.
• Your consent to receive tax statements in electronic form covers every year or other period for which we offer
tax statements electronically.
• For tax statements, in addition to the procedures described in "Withdrawal of Consent", you may also withdraw
your consent to receive tax statements in electronic form by mailing a written notice of withdrawal of consent to
the name and address that appears on the tax statement. Withdrawal of consent to receive tax statements
electronically does not withdraw consent for any other type of electronic Records.
• Withdrawal of your consent to receive tax statements in electronic form for tax statements to be provided in
January or February of any calendar year must be received by us no later than December 1 of the calendar year
immediately before the January or February in which we provide the tax statements.
• Tax statements will no longer be provided to you in electronic form and will be provided in paper form if:
• we notify you that we are no longer providing tax statements to you in electronic form,
• you withdraw consent to receive tax statements electronically,
• we receive notice of an invalid email address, or
• we receive notice for two consecutive months of non-delivery of email to your address of record. We will
provide your tax statement in paper form by mail if we receive a notice of non-delivery of email in response
to our email informing you that your tax statement is available.
• Electronic tax statements for a given tax year will be available on or before the January 31 or February 15 due
date, as applicable, and will remain available through at least the following October 15. Electronic tax statements
may be available for a longer period of time.
• We will provide you with an electronic message within our online Mortgage Loan website, or another location you
and we have agreed to, when electronic tax statements for a given year are available. We may also or instead
notify you in other ways, such as by sending you an email to alert you that electronic tax statements are
available.

Withdrawal of Consent

You may withdraw your consent:

• As to Required Records relating to your current transaction, by cancelling your transaction before completing it.
• As to Required Records relating to all of your accounts, transactions, products and services available on our
websites by calling 800-480-2265.

Cancelling your current transaction does not withdraw your consent to use of electronic Required Records for other
transactions, accounts, products or services. If you withdraw your consent to use of electronic Required Records for all of
your accounts, transactions, products and services available on our websites, that will terminate your online banking
access through our websites. If you want to receive your Required Records in electronic format after you withdraw your
consent as indicated above, you must affirmatively consent again and re-confirm your ability to receive Records in
electronic format.

Obtaining Paper Copies

You may obtain paper copies of Records from us by printing them yourself from our website or from your email account if
we have emailed them to you. You may also save a copy to your computer or other electronic device and printing copies.
To print or download Records, you must have a printer connected to your computer or other electronic device and have
sufficient capacity on your device to store the Record.

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You may request paper copies from us of Records we already provided to you electronically by calling our toll-free
telephone number, 800-480-2265. We will provide you with such paper copies to the extent the Records you request are
still reasonably available for us to access and send to you. There is a fee for these paper copies. Please consult the
Personal or Business Account Charges Form for the exact cost.

Choosing Your Preference for Account Statements

Even if you consent to receive Required Records electronically, you may still choose your preference to receive account
statements electronically or through the mail by making the appropriate selection under the "Statements" tab within our
online banking system. Changing your preference does not withdraw your consent for electronic Required Records. If you
want to withdraw consent for electronic Required Records, you must follow the procedure described under "Withdrawal of
Consent" above.

Updating Your Contact Information

It is your responsibility to provide us with current, accurate, and complete contact information. You may update your
email address and other contact information online by accessing the "Customer Service" tab within our online banking
system and clicking on the "My Information" link, or you may call us toll-free at 800-480-2265.

Hardware and Software Requirements

To access and retain electronic Records, you must have:

• An Internet connection.
• An Internet browser with 128-bit encryption and cookies enabled (such as Chrome, Firefox, Internet Explorer, or
Safari).
• An email account capable of receiving emails from us.
• A program that can read and store Adobe PDF documents (such as Adobe Reader which can be obtained for free
from the Adobe websites).
• An electronic device (such as a PC, MAC, smart phone, or tablet) and operating system (such as Windows, OS X,
Linux, iOS, or Android) that supports all of the above.

The Huntington National Bank is an Equal Housing Lender and Member FDIC. ®, Huntington ® and Huntington ® are federally
registered service marks of Huntington Bancshares Incorporated.© 2022 Huntington Bancshares Incorporated.

FORM: OAOECONSENT (08/20)

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