Your Privacy Rights
Huntington’s Online Privacy Policy

Huntington’s Online Privacy Policy (“Online Policy”) applies to The Huntington National Bank and its affiliates (collectively described as “Huntington,” “we,” or “us”).  This Online Policy specifically applies to our online collection, use and disclosure of information collected from visitors during use of our Web sites described at the end of this Online Policy (separately and collectively, the “Site”).  This Site is operated in and controlled from the United States of America.  This Online Policy should be read together with the  “What Does Huntington Do With Your Personal Information” Privacy Notice below, which describes Huntington’s privacy policies and practices for customers and for former customers. 

Effective Date
The Online Policy is effective as of 12/31/10.

Changes to the Online Policy

We reserve the right to amend the Online Policy at any time in order to address future developments of the Huntington companies, the Site or changes in industry or legal trends.  We will post the revised Online Policy on the Site or announce the change on the home page of the Site.  If we make changes to the Online Policy, we will revise the “Effective Date” section above.  Any changes to this Online Policy will become effective upon the posting of the revised Online Policy on the Internet, accessible through the Site.  By continuing to use the Site following such changes, you will be deemed to have agreed to such changes.  If you do not agree with the terms of this Online Policy, as it may be amended from time to time, in whole or in part, please do not continue using this Site.  If you have any questions or comments about the Online Policy, please feel free to contact us at privacy@huntington.com.

Types of Information Collected 

We collect Personal Information and Aggregate Information from visitors to the Site.  We use the term “Personal Information” to mean any information that can identify a specific individual.  We use the term “Aggregate Information” to refer to any information that does not allow us to identify a specific individual, such as demographic information, areas visited on the Site or what browser was used to access the Site. 

Personal Information 

We collect various types of Personal Information from visitors to the Site, such as name, address, email address, phone number, mother’s maiden name, Social Security number, date of birth, driver’s license, employment, income, residence, and collateral information.

Aggregate Information 

We may gather and store Aggregate Information about visitors, such as domain and Web browser information.  The collection of this Aggregate Information enables us to measure the number of visitors to various portions of the Site, diagnose problems with our Site, administer the Site, and track visitor activity.  We will use this Aggregate Information to learn more about what you and our customers are expecting from our services, and tailor and improve the Site.  Because Aggregate Information collected on the Site does not personally identify you, we may use Aggregate Information for any purpose whatsoever, and share Aggregate Information with third parties for any purpose whatsoever.

Notice Regarding the Use of Cookies or Similar Technologies

Cookies or other similar technologies may be used to gather information.  Cookies are electronic files that your Web browser places on your hard drive to retain information relating to visits to and use of a Web site.  We use cookies to improve the functionality of our Site.  We do not use cookies to store or transmit any Personal Information.

We use temporary “session” cookies to enable our customers to navigate more easily within our Site during an online session.  These cookies are deleted once you close your Internet browser.  We may also use “persistent” cookies to allow you to set and maintain your preferences for using our Site.  Persistent cookies remain in your computer’s memory after you close your Internet browser.  These cookies help us to know how many visitors link to our Site from a third-party Web site, which areas of our Site visitors use most often, and how much time visitors spend at our Site.  We provide this type of Aggregate Information to a nonaffiliated application service provider that compiles statistical information for us.  We then use this information to improve our Site.

You can block cookies by changing the settings on your Internet browser or through the use of software programs specifically designed to block cookies.  Please note, however, that if you choose to block cookies, you will not be able to log-in to our secure Online Banking service, and you may limit other functionality we can provide when you visit our Site.  You can also remove cookies by deleting them from your Temporary Internet folder or your Cookies folder. 

In addition, we may collect data by using so-called “pixel tags,” “clear GIFs” or similar means (collectively, “Pixel Tags”) embedded in the Site’s content.  A Pixel Tag is an electronic image, often a single-pixel (1x1), that is ordinarily not visible to Site visitors and may be associated with cookies on the visitors’ hard drives.  The data we may collect includes which operating system and browser you use, screen resolution and other technical information, demographic information, how you navigate to and through our Site, and how long you stay on our web pages.  This information is anonymous and does not include Personal Information.  Collection of this data enhances Huntington’s ability to meet the needs of online users and make improvements to the online experience.

Our Use of Personal Information 

We use Personal Information provided by Site visitors to fulfill the purpose for which such information was provided, consistent with our Customer Notice (such as to open an account, apply for a loan, or process products, services, or transactions requested or authorized by you), to send you information we think may be of interest to you, evaluate your suitability for a job if you apply on line through the Careers section of our Site, or as specifically disclosed at the time the information is requested. 

We also may remove identifiers from Personal Information or aggregate that information to make it anonymous.  We will use such Aggregate Information as described in the section “Aggregate Information.” 

Disclosure of Personal Information

We may disclose Personal Information, as permitted by law, and:  (1) consistent with our Customer Notice; (2) to comply with applicable laws; (3) to respond to governmental inquiries or requests; (4) to comply with valid legal process; (5) to protect the rights, privacy, safety or property of Huntington; (6) to permit us to pursue available remedies or limit damages that we may sustain; and (7) to enforce our rights resulting from inappropriate use of the Site.

In the event there is a change in the corporate structure of Huntington such as, but not limited to, merger, consolidation, sale, liquidation, or transfer of substantial assets, Huntington may, in its sole discretion, transfer, sell or assign information collected on and through this Site, including without limitation, Personal Information concerning visitors, to one or more affiliated or unaffiliated third parties.

Please refer to the sections of the Customer Notice that describe disclosures of customer information for further information on how we may disclose Personal Information about customers and former customers. 

Your Choice About Receiving Promotional E-mails

Visitors may choose not to receive promotional e-mails or electronic newsletters from us by following the instructions in the specific email from which they wish to opt-out.  We will respond to a request made pursuant to this method as promptly as practicable.  Even if you elect to stop receiving promotional emails from us, we may still contact you to tell you important information about the Site or us.

Maintaining Accuracy in Online Information

We strive to maintain complete and accurate online information about you and your accounts.  If you believe that our online records contain inaccurate or incomplete information about you, please call us toll-free at 1-800-480-BANK (2265) (24 hours a day, seven days a week).  Our Online Banking customers may access and edit their own information by logging in to our secure Online Banking service and clicking on the “Customer Service” tab.  We will correct any confirmed inaccuracies as necessary and appropriate.

Notice Regarding Children’s Information

We respect the privacy of children and comply with the practices established under the Children’s Online Privacy Protection Act.  We do not knowingly collect or retain personally identifiable information from children.

Safeguarding Personal Information 

We employ appropriate safeguards to protect Personal Information that you provide to us through our Site.  Unfortunately, no method of transmitting or storing data can be guaranteed to be 100% secure.  As a result, although we strive to protect Personal Information, we cannot ensure the security of any information you transmit to us through or in connection with the Site.  If you have reason to believe that your interaction with us is no longer secure, please notify us of the problem by contacting us at privacy@huntington.com.

In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development.  If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email. 

We may include links in our emails that link you to information on our Web site about our products, services, and special pricing or promotional offers.  However, we will never ask you for Personal Information in an email from us (for example, username, password, Social Security number or account number).  We will also never include links that take you to a non-secure page where you are asked to provide this information.  To determine whether an email that you have received from Huntington is legitimate, you may contact our Customer Service Center toll-free at 1-800-480-BANK (2265) (24 hours a day, seven days a week). 

If you receive an email or other correspondence requesting that you provide any sensitive information via email or to a Web site that does not seem to be affiliated with the Site, or that otherwise seems suspicious to you, please do not provide such information and report such request to us at idtheft@huntington.com. 

Notice Regarding Web Linking Practices

We provide access to information, services, and products through Web sites that are owned or operated by other companies (“third-party Web sites”).  We have carefully chosen a number of other companies to provide information, services, and products, in hopes of bringing you the value and service you expect from Huntington. 

We endeavor to provide you with information, services, and products from trustworthy third-party companies; however, we cannot endorse, approve or guarantee information, products, services or recommendations provided at any third party’s Web site.  Because we may not always know when information on a third-party site changes, we are not responsible for the content or accuracy of any third-party Web site.  We have no responsibility or liability for your visitation to, and the data collection and use practices of, other sites.

When you visit a third-party Web site by using a hyperlink from the Site, Huntington’s Online Privacy Policy, the “What Does Huntington Do With Your Personal Information” Privacy Notice and security practices will no longer apply, and your transaction will occur on that Web site (not the Site) and the personal information you provide will be collected by, and controlled by the privacy policy of that Web site’s operator.  The data collection, use, and protection provided by the linked site may differ from those that apply at the Site.  You should familiarize yourself with the legal notices of any third-party linked site you visit, including the privacy policy and security practices.  Those are the policies and practices that will apply to your use of the third-party linked site, NOT Huntington’s policies and practices.  Because the privacy and information security practices may be different than Huntington’s, you may be at greater risk to computer viruses, malicious code, or other defects in Web sites that may affect your computer.

We have also established co-branded relationships with other parties on the Internet to offer you information, services, and products.  You can identify that you are at a co-branded Web site through the use of a hyperlink, when you see the words “brought to you by”, “powered by”, or “provided by”, or the logo of a different company is visible in a prominent location on the web page.  We do not own the companies that we have chosen to develop a co-branded relationship with, and we do not control how those companies use any information you supply them.

Notice Regarding the Use of Online Surveys and Sweepstakes

Online surveys and sweepstakes are offered from time to time on the Site.  Online surveys are used so that we can gather information to better serve you.  Based on the information you provide to us, we may inform you of accounts and services from Huntington.  You are not required to complete online surveys, sweepstakes or promotions.  You should carefully review the rules of each sweepstakes or promotion in which you participate through the Site, as they may contain additional important information about Huntington’s use of Personal Information about you.  To the extent that the terms and conditions of each sweepstakes or promotion concerning treatment of your Personal Information conflict with this Online Policy, the terms and conditions will control. 

Notice Regarding the Use of Online Planning Tools

We make planning tools, such as mortgage and savings calculators available.  We do not currently store information that you enter into one of these planning tools or calculators. 

Huntington Web Sites Covered by this Online Policy

• huntington.com
• HuntingtonInsure.com
• HuntingtonOptOut.com
• HuntingtonForSchools.com
• directhuntington.com
• haberer.com
• HuntingtonStuLoans.com
• HuntingtonStudentLoans.com
• HuntingtonEducationLoans.com
• HuntingtonCollegeLoans.com
• HuntingtonEdLoans.com
• BuckeyeBanking.com
• BlueJacketsBanking.com
• CarsonPalmerChecking.com
• FearTheRooBanking.com
• CavalierBanking.com
• ColtsBanking.com
• BulldogBanking.com

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Huntington's
Customer Information Privacy Notice

FACTS

WHAT DOES HUNTINGTON DO WITH YOUR PERSONAL INFORMATION?




Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Payment history and credit scores Investment experience and insurance claim history
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Huntington chooses to share; and whether you can limit this sharing.




Reasons we can share your personal information	Does Huntington share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes- to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes- information about your transactions and experiences	Yes	No
For our affiliates' everyday business purposes- information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We don't share




To limit our sharing	. Call toll-free 1-800-537-0861 - our menu will prompt you through your choices Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call toll-free 1-800-480-BANK (2265) or go to huntington.com






Who we are
Who is providing this notice?	Huntington companies that are financial service providers, such as banks, mortgage companies, vehicle leasing companies, securities brokers, investment advisors, and insurance agencies.




What we do
How does Huntington protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Huntington collect my personal information?	We collect your personal information, for example, when you Open an account or apply for a loan Make deposits or withdrawals from your account Apply for insurance or seek advice about your investments We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See the "Other Important Information" section below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply only to you - unless you tell us otherwise.




Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a Huntington name and financial companies, such as banks, mortgage companies, vehicle leasing companies, securities brokers, investment advisors, and insurance agencies.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include banks, securities broker-dealers, insurance companies, data processors, software companies, collection agencies, credit bureaus, marketing service providers, and state and federal government agencies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial institutions with whom we have joint marketing agreements, such as insurance companies, mutual fund companies, credit card companies, and motor vehicle dealers.






Other Important Information

State Disclosures In addition to your rights described below and in this notice, you may have other rights under state laws. We will comply with applicable state laws with respect to our information practices. Important information for Ohio residents that apply for or obtain an insurance product for personal, family, or household purposes from a Huntington insurance agency - We may collect personal information from sources other than the persons proposed for insurance coverage (see, for example, the "How does Huntington collect my personal information?" section in the "What we do" section above). We may also disclose that information, as well as other personal or privileged information subsequently collected, to third parties outside of Huntington without your authorization to the extent disclosure is permitted by law. Ohio law provides a right to review and correct personal information that Huntington collects about you. To receive a more detailed description of our information practices, please write to us at: Huntington Customer Information Services, Ohio Insurance Information Practices, P.O. Box 1558, CB538, Columbus, Ohio 43216. Important information for Nevada residents - At any time, you may request to be placed on Huntington's internal do-not-call list by calling us toll-free at 1-800-537-0861. Nevada law requires that we provide you with the following contact information to enable you to obtain further information: (i) Huntington Customer Information Services, Nevada Do-Not-Call Information, P.O. Box 1558, EA4W58, Columbus, Ohio 43216, Phone: 1-800-480-BANK (2265), Email: privacy@huntington.com, and (ii) Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, Nevada 89101, Phone: 1-702-486-3132, Email: BCPINFO@ag.state.nv.us.





Affiliates Providing this Notice
. The Huntington National Bank (deposits, loans, trust, and other banking services), also using the name Huntington Mortgage Group (mortgage lending)
. Huntington LT (vehicle leasing)
. The Huntington Investment Company (investments)
. Huntington Asset Advisors, Inc. (investment advisory services)
. Huntington Insurance, Inc. (insurance)
. HBI Title Services, Inc. (insurance)




Additional Information Collection and Use Disclosures

Your Choice About Promotional Offers	You may call us toll-free at 1-800-537-0861 to tell us your preferences about receiving special pricing or other promotional offers from us. If you do that, however, our ability to tell you about offers that may benefit you and help you save and invest in your future may be limited. Whether or not you make this choice, we will still contact you from time to time about your accounts and provide account mailings to you, such as statements and notices. We may also include special pricing or other promotional offers with such account mailings.
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: Huntington Customer Information Services, Consumer Reporting Agencies, P.O. Box 1558, EA4W25, Columbus, Ohio 43216. 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, the specific item in dispute and other supporting documentation or information we reasonably require. 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: Huntington Customer Information Services, Identity Theft, P.O. Box 1558, EA1W03, Columbus, Ohio 43216. 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 our identity theft policies and practices, please visit huntington.com and type "ID Theft" in the search box. There you will find helpful information about how to protect yourself. You will also find additional information on what to do if you believe you are a victim of identity theft.
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 driver's license or other identifying documents.
For Our Insurance Customers	From time to time, a Huntington insurance agency may review your account and obtain additional quotes on your insurance program to ensure your competitive place in the market. To perform this service, our quoting carriers will utilize certain consumer report information, such as motor vehicle reports, claim history reports, and credit reports. You may request that our insurance agencies not provide this service by emailing insurance.compliance@huntington.com or by writing to us at: Huntington Insurance, Insurance Opt-Out, P.O. Box 1558, CB538, Columbus, Ohio 43216. Please include your name, address, telephone numbers, the specific policy numbers, and Social Security numbers on your written request.