On June 27, 2008, Fitch changed the ratings outlook comment to stable on Huntington Bancshares and The Huntington National Bank.

On May 13, 2008, Moody's changed the ratings outlook comment to stable on Huntington Bancshares and The Huntington National Bank.

On November 16, 2007 the following rating actions were taken:

• Moody's placed all ratings on negative outlook and review for downgrade.
  
• S&P revised the outlook on Huntington Bancshares Incorporated to negative, and affirmed the senior unsecured notes rating (BBB+) and short-term rating (A-2).
  
• Fitch downgraded the ratings on Huntington Bancshares Incorporated senior unsecured notes(from A to A-) and subordinated notes (from A- to BBB+), affirmed the short-term rating for both Huntington Bancshares Incorporated and The Huntington National Bank (F-1), and placed all ratings on negative watch.

These developments are reflected in the following table:

	Senior Unsecured Notes	Subordinated Notes	Commercial Paper / Short Term	Outlook
Huntington Bancshares Incorporated:
Moody's (1)	A3	Baa1	P-2	Stable
S&P (2)	BBB+	BBB	A-2	Negative
Fitch (3)	A-	BBB+	F1	Stable
The Huntington National Bank:
Moody's (1)	A2	A3	P-1	Stable
S&P (2)	A-	BBB+	A-2	Negative
Fitch (3)	A-	BBB+	F1	Stable
Individual Rating, both Holding Company and Bank
Fitch (3)	B / C