We may have to change your Login Credentials or take additional steps to prevent further access by such person

• Refer to your personal credit line agreement to determine what to do in case of errors or questions on that account under the section entitled “Your Billing Rights.”

• You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you or a Company Representative have given someone your Login Credentials and want to terminate that person’s authority, you must notify us that transactions by such a person are no longer authorized.

• Our system supporting Online Services is designed so that it may be operated only upon entry of valid Login Credentials. Since we condition access upon entry of valid Login Credentials, we will accept instructions for payments and transfers or other transactions from any person using valid Login Credentials. This is so even if the person obtaining access:

• You agree to be bound by all transactions from any Business account for which Login Credentials were used. You authorize us to treat any instructions we receive using valid Login Credentials as if the instructions had been made in writing and signed by the appropriate Company Representative. Unless there is substantial evidence to the contrary, our records will be conclusive regarding any access to, or action taken through, Online Services.

Huntington Mobile Deposit allows you to take a picture of a check on your mobile device and deposit it into your account

• Notwithstanding the foregoing, we agree that you will not be responsible for payday loans IA transactions which occur after you have notified us to block the Login Credentials that were used to perform the transaction, and we have had a reasonable opportunity to do so.

• You agree to promptly examine all account statements and any confirmations of payments which we or other banks may send or make available to you, and to promptly notify us of any discrepancy or error within 30 days of receipt of any such statement or confirmation.

• Call us at 1-800-480-2001, or write us at Huntington Customer Service(GW5C42), P.O. Box 1558, Columbus, Ohio 43216 as soon as you can, if you think your statement is wrong or if you need more information about a payment or transfer covered by this Agreement which is listed on the statement.

• If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.

o Malfunctions, capacity reductions, or other problems in your equipment or in public communications networks not under our control that may affect the accuracy or timeliness of transactions you perform.

o Any consequential, incidental, special, indirect or punitive loss or damage, including but not limited to dishonor of checks or other items or expenses which you may incur or suffer by reason of this Agreement or the services we provide, whether or not the possibility or likelihood of such loss, damage, or expense is known to us.

• WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES WE PROVIDE YOU UNDER THIS AGREEMENT,INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

• If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.

Thus, the sooner you notify us of a problem, the better you can keep your losses down

o Zelle® is a peer-to-peer payment service that allows you to send, request, and receive money with people you trust.