Frequently Asked Questions

Getting Started
Security
Establishing an Account
Features
Funds Transfer
Trading
Order Execution
Product Revenue Sharing/Marketing Compensation
Business Continuity Plan

Getting Started

Tell me more about The Huntington Investment Company.
The Huntington Investment Company is the broker/dealer subsidiary of The Huntington National Bank. It provides a variety of non-FDIC insured investment products and services. While our investment representatives help customers prepare for their financial goals, you may want to make your own investments through a Huntington Investment Company Online Investment Services ("HOIS") brokerage account.

Who is your clearing firm?
National Financial Services LLC ("NFS LLC") is the clearing agent for The Huntington Investment Company.

What are The Huntington Investment Company service hours?
You can contact The Huntington Investment Company at 1-800-322-4600, option 4, weekdays, 8:00 a.m. to 5:00 p.m. ET.

I am an existing customer. Do I need to open a new account to trade via the Internet?
No. However, you need to apply for Online Investment Services. Our interactive questionnaire will guide you through the Internet enabling process.

Which browser should I use?
The Huntington Investment Company requires online customers to have a US 128-bit encrypted Netscape Navigator or Microsoft Internet Explorer Internet browser.

Security

How secure is trading through The Huntington Investment Company?
Your account can only be accessed by entering a User ID and a PIN.

What can I do to ensure the security of my account?
Never share your password with anyone. Do not write the password where somebody can figure it out. Change your password often and make sure to completely log out of the site once you are done.

Establishing an Account

Is there a minimum deposit requirement to open an online brokerage account?
You must have at least $2,000 to open an online brokerage account. For margin and options accounts, you must have a balance of $5,000.

How do I open an account at The Huntington Investment Company?
You can apply for Online Investment Services from virtually any PC anywhere.

Can I open an IRA account through the online brokerage?
To open an IRA account, please call us at 1-800-322-4600, option 4, weekdays, 8:00 a.m. to 5:00 p.m. ET. However, you can sign up for online access to your IRA once it has been opened.

I have sent in my application. What happens next?
Huntington will begin processing your application once we receive your account application, account documentation and the funds. We will notify you of any deficiencies. If your application is refused, we will notify you of the reason(s) and we will return your funds.

If everything is acceptable, you should receive your welcome kit, a User ID and a PIN within 10 business days after you send in your application. For security reasons, we mail your PIN number separately from your User ID mailing.

Features

Tell me more about the differences between "Online Viewing Only Privileges" and "Online Trading Privileges."
On the Internet Enable Form, you can choose one of the following: "Online Viewing Only Privileges" or "Online Trading Privileges."

By choosing "Online Viewing Only Privileges," you can access account details that include balances, positions, and history. If you choose "Online Trading Privileges," you will be able to trade equities, mutual funds and options in addition to benefits offered through "Online Viewing Privileges Only."

What kind of securities can I invest in through The Huntington Investment Company?
You can invest in mutual funds, listed stocks, options, annuities, and fixed income products such as treasuries, municipal, and corporate bonds through The Huntington Investment Company. However, you can only trade mutual funds, stocks and options through your online brokerage account. You can contact our trading desk at 1-800-322-4600 (voice mail option 4) to invest in fixed-income products.

What is the difference between cash and margin accounts?
With a cash account, you must have full funds in your account prior to placing an order. A margin increases your purchasing power by borrowing against equity in your account.

What type of account information is available online?
You can access balance and holding information, trade history and pending orders. Balances are as of previous business day's closing. You can also use the portfolio tracker to track your securities holdings.

What type of research can I access?
You can access recent news articles, market information, company profiles and in depth charts for various securities and mutual funds as provided by Nelson Publications.

What types of quotes can I access?
You can obtain delayed quotes on stocks, mutual funds and options.

Funds Transfer

How can I deposit money into my account?
Huntington offers multiple ways to deposit money into your brokerage account. (Please be sure to carefully follow instructions to ensure your money is credited to your account in a timely manner.

By check:
Make your check payable to National Financial Services LLC, and send it to:
The Huntington Investment Company
Attention: Online Brokerage Services
41 South High Street, 7th Floor
Columbus, OH 43215

For existing accounts, please write your account number on your check.

By transfer from your existing Huntington account(s):
You must have a Brokerage Automatic Deposit/Withdrawl Application on file prior to initiating a funds transfer from your existing Huntington accounts.Simply call 1-800-322-4600, option 4 to request a funds transfer. We will not accept the transfer of money via email due to its unsecured accessibility.You can call your transfer orders in weekdays,  8:00 am to 5:00 p.m. ET. Requests received before 2:00 p.m. on each business day will be processed the same day.

How long does it take to transfer my current brokerage account?
Transferring an account from another brokerage house to HIC generally takes 2-3 weeks once we receive the completed paperwork. HIC cannot guarantee the time it will take your current brokerage house to process the necessary paperwork.

Is there a transfer fee?
There are no fees to transfer an account into or out of The Huntington Investment Company.

Trading

What are the system's trading capabilities?
Orders can be submitted online 24 hours a day. These orders will be processed for the current day provided they are received during market hours (9:30 a.m. to 4:00 p.m. ET). Otherwise, the order will be processed for the next day. You must have sufficient funds, securities available or have buying power for marginable securities at the time you place an order.

How do I receive confirmation if an order has been executed?
Any orders entered via The Huntington Investment Company online brokerage are subject to The Huntington Investment Company's review and approval; therefore, these orders are forwarded to a registered representative for review. Prior to approval, the order is automatically designated as "pending." Once the transaction is approved, your order is routed to an exchange or market center for execution and pending status is discontinued. Please note that the price you receive upon order execution in the marketplace may be higher or lower than the "market orders" price at the time you entered the order into our system. A paper confirmation will be mailed to you detailing the transaction.

Any orders, which cannot be accepted, are listed "rejected". If an order is rejected, The Huntington Investment Company will attempt to contact you at your primary telephone number recorded on your Huntington Investment Company New Account Application on file. However, you, as a user, agree to monitor the status of your order until the transaction is rejected or an execution is confirmed.

Can I execute stop-limit orders through the online brokerage?
You cannot execute stop-limit orders through the online brokerage. Please contact us at 1-800-322-4600, option 4, weekdays, 8:00 a.m. to 5:00 p.m. ET to place a stop-limit order.

What if I need to cancel an order?
You can modify or cancel unexecuted limit and stop orders on the Order Review page. Off-hour orders may be modified or cancelled before the market opens. Please note that all cancels and modifies are subject to prior execution. The best way would be to call us at 1-800-322-4600, option 4, weekdays, 8:00 a.m. to 5:00 p.m. ET to cancel an order.

Are there orders that cannot be modified?
Market orders placed during market hours cannot be modified. In addition, orders placed through a Huntington Investment Company investment representative cannot be modified or cancelled via the online brokerage. Only orders placed online can be modified online.

What should I do if I have trouble accessing the online brokerage site?
Please call us at 1-800-322-4600, option 4, weekdays, 8:00 a.m. to 5:00 p.m. ET. A broker will assist you.

Order Execution

Order Routing Data

The Huntington Investment Company, acting as agent for its customers, introduces customers to National Financial Services, LLC ("NFS"). NFS provides brokerage services; carrying customer cash and margin accounts and clearing all equity and options transactions for such accounts. The Huntington Investment Company operates pursuant to the (k)(2)(ii) exemptive provisions of SEC rule 15c3-3 and does not hold customer funds or securities.

The Huntington Investment Company and/or NFS LLC transmits customer orders for execution to various exchanges or market centers based on a number of factors. These include: size of order, trading characteristics of the security, favorable execution prices (including the opportunity for price improvement), access to reliable market data, availability of efficient automated transaction processing an reduced execution costs through price concessions from the market centers. Certain market centers may execute orders at prices superior to the publicly quoted market in accordance with their rules or practices. While a customer may specify that an order be directed to a particular market center for execution, the order-routing policies, taking into consideration all of the factors listed above, are designated to result in favorable transaction processing for customers. The Huntington Investment Company and/or NFS LLC may receive remuneration, compensation or other consideration for directing customer orders for equity securities to particular broker/dealers or market centers for execution. Such consideration may take the form of financial credits, monetary payments or reciprocal business.

Click here to review order routing data for the previous quarter

Regarding Mutual Funds

Product Revenue Sharing/Marketing Compensation

The Huntington Investment Company (“HIC”) and our Investment Representatives receive compensation when clients invest in mutual funds. The amount and form of compensation depend upon the particular fund, the amount invested, and the share class purchased. HIC is paid by the mutual fund company based on the sales charges imposed on share transactions or (in the case of Class B or C shares) a sales concession calculated by the mutual fund company. HIC also receives ongoing trail payments from the mutual fund based on the distributions fees received on the shares that you hold. HIC, in turn, pays a portion of these payments to your Investment Representative based on an internal compensation formula. The formula is the same regardless of which mutual fund you purchase. However, some mutual funds carry higher sales charges than other funds, which may result in the Investment Representative receiving greater total compensation when those funds are purchased. In fee-based accounts, the compensation of your Investment Representative is based on a percentage of the total assets held in the account. Clients are welcome to ask their Investment Representative how he or she will be compensated for any mutual fund investment. HIC also receives additional compensation from certain mutual funds participating in the arrangements described below.

There are over 15,000 mutual funds available for sale in the United Sates, offered by hundreds of mutual fund companies. HIC offers our clients mutual funds sponsored by about 10 of these companies. Like many other securities firms, HIC has special marketing arrangements with the select group of companies with which it has relationships. This group receives greater access to our Investment Representatives to provide training and education concerning their products. In exchange, some of these companies make payments to HIC that are used for general mutual fund marketing and due diligence, for educational programs for our Investment Representatives and manager, and for other business purposes. These payments are based on sale volume in addition to a standard fee that is used to cover these expenses incurred by HIC.

It is important to know that our Investment Representatives are not obligated to recommend these firms' funds; they do not receive additional compensation if they do; and you do not pay any additional or special charges. Information regarding mutual fund companies participating in these marketing arrangements is available upon request. For additional information on breakpoints and mutual funds in general, you can visit educational web sites of the Securities and Exchange Commission (www.SEC.gov), the FINRA (www.FINRA.org), the Securities Industry Association (www.SIA.com), and the Investment Company Institute (www.ICI.org). Mutual funds are sold by prospectus only. The prospectus contains further information regarding charges and expenses. Please read the prospectus carefully before investing or sending money. Please contact your Investment Representative for a prospectus.

Regarding Annuities

Product Revenue Sharing/Marketing Compensation

The Huntington Investment Company (“HIC”) and our Investment Representatives receive compensation when clients invest in Annuities. The amount and form of compensation may vary by product. HIC is paid by the annuity company based on the sales charges imposed on transactions or a sales concession calculated by the annuity company. HIC also can receive ongoing trail payments from the annuity company based on the distribution fees received on the annuity contract that you own. HIC, in turn, pays a portion of these payments to your Investment Representative based on an internal compensation formula. The formula is the same regardless of which annuity you purchase. However, some annuity contracts carry higher sales charges as imposed by the annuity companies than others, which may result in the Investment Representative receiving greater total compensation when those annuities are purchased. Clients are welcome to ask their Investment Representative how he or she will be compensated for any annuity investment. HIC also receives additional compensation from certain annuity companies participating in the arrangements described below.

There are many annuity products available for sale in the United States, offered by various annuity companies. To establish and maintain a high degree of product proficiency, HIC offers clients annuity products issued by a limited number of these companies. Like many other firms, HIC has special marketing arrangements with some companies in this select group. This group receives access to our Investment Representatives to provide training and education concerning their products. In exchange, some of these companies make payments to HIC that are used for marketing and due diligence, for educational programs of our Investment Representatives and managers, and for other business purposes. These payments vary by company and may be based on sales volume in addition to a standard fee that is used to cover expenses incurred by HIC.

HIC has selected these annuity products to offer based on the firm's belief that the products are those of reputable issuing companies that provide superior service, the products have desirable and hence potentially beneficial features for the firm's client base and by limiting the array of products offered, enables the firm and its representatives to attain and sustain a high degree of competency regarding the features of the products offered. The representatives are not aware of the details of such arrangements and representatives do not receive additional compensation for promoting one company's product over another. It is important to know that you do not pay any additional or special charges as the result of the arrangements with the annuity companies. Information regarding annuity companies participating in these marketing arrangements is available upon request.

For additional information on variable annuities in general, you can visit educational web sites of the Securities and Exchange Commission (www.SEC.gov), the FINRA (www.FINRA.org), the Securities Industry Association (www.SIA.com) and the Investment Company Institute (www.ICI.org). Variable annuities are sold by prospectus only. The prospectus contains further information regarding charges and expenses. Please read the prospectus carefully before investing or sending money. Please contact your Investment Representative for a prospectus.

Business Continuity Plan

A plan is maintained by The Huntington Investment Company (HIC) to continue business throughout varying degrees of circumstances which in the absence the plan, would otherwise disrupt HIC’s ability to conduct business. In the plan, HIC has endeavored to consider and prepare for a broad range of scenarios of varying severity. Preparation includes the establishment of arrangements for alternative facilities, systems and staffing to strive to minimize the impact of any such event. Resumption of service is dependent on nature of the incident at hand.

For example, should there be an event that would prevent HIC from conducting business in its primary operational facility, the plans are designed to enable resumption of essential functions in a back up facility within the same business day. As to the matter of client’s ability to place trades, through re-direction of phone lines and client’s access to internet trading capabilities, our expectation is that so long as the securities markets remain open, trading would not be disrupted.

While there can be no guarantee to its effectiveness, HIC has a high level of confidence that through its careful planning and periodic testing, the firm’s preparation provides a reasonable strategy to effectively manage a business recovery operation. For more information, contact your HIC Investment Representative.



NOT A DEPOSIT NOT FDIC-INSURED NOT GUARANTEED BY THE BANK
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE

Investment products and services are offered through The Huntington Investment Company, member FINRA SIPC, a Registered Investment Advisor and a wholly-owned subsidiary of Huntington Bancshares Incorporated.