Pricing Schedule for Huntington Secured Credit Card Cardholder Agreement

Pricing Schedule for Huntington Secured Credit Card Cardholder Agreement

Interest Rates and Interest Charges · Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1 APR for Balance Transfers · 2 6 . 4 9 % This APR will vary with the market based on the Prime Rate. 1 APR for Cash Advances · 2 7 . 4 9 % This APR will vary with the market based on the Prime Rate. 2 Howto Avoid Paying Interest on Purchases · The payment due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge · If interest is charged, the charge will be no less than $1.00 Fees · Fees Annual Fee · None Transactions Fees • Balance Transfer • Cash Advance · The greater of $10.00 or 3% of the amount of each Balance Transfer The greater of $10.00 or 5 % of the amount of each Cash Advance

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).' See your account agreement for more details.

1 We add a margin of 19.74% to the Prime Rate to determine the Purchase/Balance Transfer APR. APR.

2 We add a margin of 20.74% to the Prime Rate to determine the Cash Advance APR.

Variable APRs Based on Prime. If any APR is based on the U.S. Prime Rate ('Prime Rate'), the APR will equal the Prime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to increase. If the Prime Rate decreases, it will cause the APR to decrease. For each billing period we use the Prime Rate published in The Wall Street Journal two business days before the Statement Closing Date. If the Prime Rate causes an APR to change, we put the new APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.

This pricing information is accurate as of the last business day of the preceding calendar quarter and is subject to change after that date. For current information please contact Huntington National Bank at PO Box 1558, Columbus, OH 43272 or call us at 1-800480-BANK for any changes.