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^† To be eligible, you must have a Managed Investment Account. A Managed Investment account is an account where an advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying Managed Investment accounts include an investment management account offered through the Huntington Private Bank^® or an investment advisory account offered through Huntington Financial Advisors^® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Managed Investment accounts are subject to investment minimums and may not be suitable for all investors. Accounts titled as corporate, business, trust and/or ERISA plans are not eligible.

Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

^‡ For Huntington SmartInvest Checking^® you must maintain a Total Relationship Balance of at least $100,000. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank^® (Huntington) or eligible investments made through Huntington Financial Advisors^® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS). Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and other qualifying accounts on which you are an owner. Eligible investments are those in your name made through Huntington or which AFS reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Accounts established for ERISA plans are not eligible. Investments held in agency and other qualifying accounts with Huntington Private Bank^® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period.

^§ With SmartInvest Checking^® we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you for withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM, as well as any international transaction fees. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM, or other fees charged by the network.

^¶ The Home Equity Line of Credit Relationship Discount. The "Rate Discount" consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or "PCL"). To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking, SmartInvest Checking or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances ("qualifying balances"). Qualifying balances include money that is on deposit in all Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs), and other qualifying accounts), on which you are an owner; and all Huntington Consumer investments held in brokerage, trust, or investment advisory accounts. Accounts established for ERISA plans are not eligible. Existing annuities with a cash value account balance opened by Huntington Financial Advisors^® (HFA), a financial advisory practice of Ameriprise Financial Services, LLC (AFS), are also qualified balances, however, annuity accounts opened on or after the HELOC application date are excluded from the HELOC qualifying balances. Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for a Rate Discount, you will then also qualify for an Annual Fee Waiver ($60, $50 in MN) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, for as long as you maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period ("Period(s)"), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.

Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to new HELOC customers which are defined as customers without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home's loan-to-value ratio, lien position, owner occupancy status, applicant's credit history, and the amount of the credit line. "Prime" and "Prime Rate" mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled "Selected Interest Rates." Use of the word "Prime" does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 7.00% as of September 17, 2026. Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $375 and will apply when closing is facilitated by a third party on Huntington's behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.

Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington's mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking^®, SmartInvest Checking^®, or Private Client Account (these accounts are a "qualifying checking account,") and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer's Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs) on which you are an owner), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors®, are also eligible accounts, however, annuity accounts opened on or after the mortgage loan application date are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington Platinum Perks Checking^®, SmartInvest Checking^® or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be on deposit at Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and will not include any funds needed for down payment on the mortgage transaction. Huntington's Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.

^# The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services' Terms & Conditions, which include important legal terms that a customer should read carefully before deciding to enroll.

^Ω For as long as you qualify for, and maintain, a SmartInvest Checking account.

^Õ To be eligible, you must maintain a SmartInvest Checking account.

^Ⱡ Investments Relationship Discount. Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors^®, a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license. Ameriprise will offer the discounted brokerage services described below to clients that Huntington Bank identifies as being eligible based on criteria established solely by Huntington Bank.

This program offering consists of unlimited commission-free, trades for equities and exchange-traded funds, limited to self-directed orders entered as market orders (as opposed to limit, stop-limit, etc.) through the secure site at ameriprise.com. An order handling fee of $6.00 will still apply to these orders.

Eligible customers must have: 1) a SmartInvest Checking account and 2) an open and funded Managed Investment account with Huntington Private Bank or Huntington Financial Advisors (“HFA”). Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply.

Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT • NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

The Huntington National Bank (“Huntington Bank”) offers a full range of wealth management and financial services through dedicated teams of professionals within the Huntington Private Bank^® and Huntington Financial Advisors^® as follows:

• Banking solutions, including loans and deposit accounts, are provided by Huntington Bank, Equal Housing Lender and Member FDIC.
• Trust and investment management services are provided by Huntington Bank, a national bank with fiduciary powers.
• Certain insurance products are offered by Huntington Insurance, Inc. and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.
• Certain investment advisory solutions, securities, and insurance products are provided by Huntington Financial Advisors^®, a financial advisory practice of Ameriprise Financial Services, LLC (“Ameriprise”). Huntington Financial Advisors^® is the trade name of the investment program offered through Huntington Bank. Certain employees of Huntington Bank provide investment advisory, brokerage, and insurance services, offered by and through Ameriprise in their capacity as registered representatives of Ameriprise. Ameriprise is a registered investment adviser and broker-dealer member of FINRA and SIPC. Ameriprise is not affiliated with Huntington Bank, Huntington Insurance, Inc., or Huntington Bancshares Incorporated. Ameriprise and Huntington Bank partner to provide financial planning services and solutions to clients. Huntington Bank is not an investment client of Ameriprise; however, it receives revenue sharing payments from Ameriprise, which creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Huntington Private Bank^® is a federally registered service mark of Huntington Bancshares Incorporated.

Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated and is used under license.

Huntington Bank and Huntington Insurance, Inc. are wholly-owned subsidiaries of Huntington Bancshares Incorporated.

Minimum investment or deposit balance criteria apply with respect to the Huntington Private Bank. Please contact a Huntington Private Bank colleague for more information on eligibility requirements.

Third-party product, service and business names are trademarks/service marks of their respective owners.

SmartInvest^®, SmartInvest Checking^® and SmartInvest Money Market^® are federally registered service marks of Huntington Bancshares Incorporated.