Huntington National Bank 2012 Annual Report Download - page 29

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With the development of the CFPB, our consumer products and services are subject to increasing regulatory oversight and
scrutiny with respect to compliance under consumer laws and regulations. We may face a greater number or wider scope of
investigations, enforcement actions and litigation in the future related to consumer practices, thereby increasing costs associated with
responding to or defending such actions. In addition, increased regulatory inquiries and investigations, as well as any additional
legislative or regulatory developments affecting our consumer businesses, and any required changes to our business operations
resulting from these developments, could result in significant loss of revenue, limit the products or services we offer, require us to
increase our prices and therefore reduce demand for our products, impose additional compliance costs on us, cause harm to our
reputation or otherwise adversely affect our consumer businesses. In addition, if we do not appropriately comply with current or
future legislation and regulations that apply to our consumer operations, we may be subject to fines, penalties or judgments, or
material regulatory restrictions on our businesses, which could adversely affect operations and, in turn, financial results.
Item 1B: Unresolved Staff Comments
None.
Item 2: Properties
Our headquarters, as well as the Bank’s, are located in the Huntington Center, a thirty-seven-story office building located in
Columbus, Ohio. Of the building’s total office space available, we lease approximately 33%. The lease term expires in 2030, with six
five-year renewal options for up to 30 years but with no purchase option. The Bank has an indirect minority equity interest of 18.4%
in the building.
Our other major properties consist of the following:
Description Location Own Lease
13 story office building, located adjacent to the Huntington Center Columbus, Ohio ¥
12 story office building, located adjacent to the Huntington Center Columbus, Ohio ¥
3 story office building - the Crosswoods building Columbus, Ohio ¥
A portion of 200 Public Square Building Cleveland, Ohio ¥
12 story office building Youngstown, Ohio ¥
10 story office building Warren, Ohio ¥
10 story office building Toledo, Ohio ¥
A portion of the Grant Building Pittsburgh, PA ¥
18 story office building Charleston, West Virginia ¥
3 story office building Holland, Michigan ¥
2 building office complex Troy, Michigan ¥
Data processing and operations center (Easton) Columbus, Ohio ¥
Data processing and operations center (Northland) Columbus, Ohio ¥
Data processing and operations center (Parma) Cleveland, Ohio ¥
8 story office building Indianapolis, Indiana ¥
Item 3: Legal Proceedings
Information required by this item is set forth in Note 22 of the Notes to Consolidated Financial Statements and incorporated
into this Item by reference.
Item 4: Mine Safety Disclosures
Not applicable.