This Customer Information Privacy Notice ("Customer Notice"):

• Explains how we collect and disclose customer information when you apply for or obtain financial products and services for personal, family, or household purposes from The Huntington National Bank ("Huntington") through a private label banking center brought to you by Affinity Financial Corporation or Waterfield Financial Services ("Banking Center Channel").
• Does not apply to financial products and services that you apply for or obtain from Huntington outside of the Banking Center Channel.

We may supplement this Customer Notice to address special state law requirements not otherwise described in the State Disclosures section below. In the event of any conflict between the provisions of this Customer Notice and any supplement, the provisions of such supplement will apply to the extent applicable.

Confidentiality and Security

Protecting customer information has always been important to us. Access to customer information is limited to those persons who need to know that information. For example, access to customer information is needed to resolve questions or inquiries, for internal security or fraud control, to provide products or services, or to protect or enforce our rights.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard customer information.

Customer Information We Collect

We collect customer information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, and income.
• Information about your transactions or relationships with us, with other Huntington companies or with third parties, such as information about your balances and payment history.
• Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.

Our Policy About Disclosing Customer Information Outside of Huntington

We do not disclose customer information we collect about our customers or former customers to third parties outside of Huntington, except as permitted or required by law. These exceptions are described below. Since this is our policy, there is nothing you need to do to request us not to share customer information with such third parties.

Exception for Joint Marketing and Service Providers

We may disclose customer information we collect on customers and former customers to companies that perform marketing services for us or to other financial institutions with whom we have joint marketing arrangements.

Examples of these companies or financial institutions are:

• Financial institutions with whom we have joint marketing agreements, such as insurance companies, mutual fund companies, credit card companies, and motor vehicle dealers.
• Companies that provide marketing services for us, such as bulk mailing companies, direct marketing companies, market research firms, and marketing consultants.

Other Exceptions

Other examples of when we disclose customer information outside of Huntington are as follows:

• To consumer reporting agencies.
• In connection with audits or any sale or transfer of your accounts or a Huntington company or division.
• For fraud, security or risk control.
• To help complete a transaction you initiate, including information requested to verify the existence or condition of an account
• To resolve disputes or inquiries you may have about your accounts.
• With your consent or at your direction.
• When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights.
• To companies that perform services for us in connection with your accounts, such as data processing and software companies and collection agencies.
• As otherwise necessary to service your account, or as permitted or required by law.

Sharing Customer Information with Other Huntington Companies

Under the terms of our agreement with Affinity Financial Corporation and Waterfield Financial Services, we do not disclose customer information we collect on customers and former customers of the Banking Center Channel with other Huntington companies. As a result, there is nothing you need to do to request us not to share customer information with other Huntington companies.

Correcting Errors in Information We Share with Consumer Reporting Agencies

If you believe any of the information we share with a consumer reporting agency is in error, please let us know. Write to us at: The Huntington National Bank, Consumer Reporting Agencies, P.O. Box 1245, Indianapolis, Indiana 46206-1245. Please provide us with your complete name, current address, phone number, and Social Security number. You will also need to include your account number, type of account, and the specific item in dispute. You must tell us the reason you believe this information has been reported in error.

Identity Theft

The law provides certain rights to victims of identity theft. If you believe you are a victim of identity theft with respect to any of your accounts or transactions with us, you may notify us at: The Huntington National Bank, Identity Theft, P.O. Box 1245, Indianapolis, Indiana 46206-1245. Please provide as much detail as possible about the accounts or transactions in question, including any dates and account or transaction numbers that apply. We may contact you to discuss additional information necessary to resolve the matter.

For more information about how to protect yourself against identity theft or what to do if you believe you are a victim, please visit www.ftc.gov/idtheft.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driverÕs license or other identifying documents.

State Disclosures

In addition to your rights described in this Customer Notice, you may have other rights under state laws. We will comply with applicable state laws with respect to our information practices.

Effective Date

This Customer Notice is effective as of 9/22/07.