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Huntington


Huntington Bancshares Incorporated is a $33 billion regional bank holding company headquartered in Columbus, Ohio. Through its affiliated companies; It has more than 138 years of serving the financial needs of its customers. Huntington provides innovative retail and commercial financial products and services through more than 350 regional banking offices in Indiana, Kentucky, Michigan, Ohio and West Virginia. Huntington also offers retail and commercial financial services online at huntington.com; 24hour telephone bank; and through its network of approximately 946 ATMs. 
 
Selected financial service activities are also conducted in other states including Dealer Sales offices in Florida, Georgia, Tennessee, Pennsylvania, and Arizona; Private Financial Group offices in Florida; and Mortgage Banking offices in Florida, Maryland, and New Jersey. International banking services are made available through the headquarters office in Columbus, Cayman Islands and an office in Hong Kong.

The bond funds specify whether their holdings are corporate, U.S. Treasury, municipal, or government-sponsored enterprise. Mutual funds with front-end loads or sales charges enable you to reduce front-end sales charges. A single mutual fund, with one portfolio, may offer more than one class of shares to investors. Each class represents a similar interest in the mutual fund's portfolio, but has different fees and expenses. You can find out if a mutual fund has different classes by looking at the prospectus.

Foregone earnings are the amount you could have earned on your investment if the money spent on fees and expenses was invested. The expense analyzer calculates foregone earnings by taking the money used to pay fund fees and expenses and compounding it at rate of return you selected. Deferred sales charges are not included in this calculation because you only pay them when you sell the investment. 
 
Characteristics of mutual funds are Professional Management Professional money managers research and analyze companies and institutions before they buy or sell securities in the funds portfolio, Diversification are Investing in a portfolio of securities helps balance risk, flexibility is you can transfer part or all of your investment into other funds of the same family.
 
Investments in mutual funds are subject to fees and involve risk, including possible loss of the principle amount invested. Most funds are offered in more than one class of shares. When deciding whether to purchase a particular class of shares, investors should consider the investment amount, anticipated holding period and other important factors. Past performance is no guarantee of future results.
 

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