INVESTING MADE SIMPLE

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1 Investing Fundamentals INVESTING MADE SIMPLE AN EDUCATIONAL GUIDE FOR EVERY INVESTOR. INVEST WITH CONFIDENCE. HuntingtonFunds.com 1

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3 Your Guide to the Basics of Investing Through Mutual Funds Mutual funds are an indispensable part of the American financial landscape. Institutional and individual investors across America including nearly half of all households have entrusted more than $11.6 trillion to these investments.* The key to the universal appeal of mutual funds? They provide a convenient and affordable way to invest in a diversified, professionally-managed portfolio of investments to help you meet your long-term goals. The Huntington Funds bring these compelling advantages to investors through a broad family of mutual funds that provide access to key financial markets: fixed income, tax-exempt fixed income, equity and international, including emerging markets and specialty alternative strategies. Huntington Funds are managed by professionals averaging 25 years of investment management experience. Looking for an easier, cost-effective way to build your investment portfolio? Huntington funds offers a variety of growth, income and specialty funds that can put your money to work under the watchful eyes of our professionals. A Few Words About Risk Stocks have historically outperformed other asset classes over the long-term, but tend to fluctuate more dramatically over the short-term. Bonds are sensitive to interest rate movements. Their prices, and thus the share prices of funds that invest in them, generally move in the opposite direction from interest rates. Investing in foreign issuers and non-dollar securities may involve additional risks due to various legal, political, economic and currency-related factors. Some Funds are subject to the risks associated with its investments in emerging market securities, which tend to be more volatile and less liquid than securities traded in developed countries. Not A Deposit Not FDIC Insured Not Insured By Any Government Agency No Bank Guarantee May Lose Value * Investment Company Institute (03/2012) 3

4 The Growth of Money Over Time? Most people invest to help achieve a variety of personal goals. Whether you d like to buy a home, send your children to college or someday retire comfortably, growing your assets over time can be an important goal for any investment portfolio. To meet their growth objective, people have typically invested in the stocks of public corporations. This is also referred to as investing in equities. When you buy a stock, you have an actual ownership interest, or equity, in the company. As the company grows its sales and profits, the price of its stock is expected to grow as well. Historically, stocks have outperformed other types of securities, such as bonds and money market instruments, helping investors build their wealth over time. However, stocks may also experience what s referred to as volatility the risk of ups and downs in their values due to economic conditions or other factors that can affect the market as a whole, a particular industry or the individual company issuing the stock. Because their prices may fluctuate more than other types of investments, stocks are best suited for investors with a longer time horizon. Just as there are many different kinds of companies, there are also many different kinds of stocks, referred to as market segments, all with their own characteristics. The stocks of larger, more stable companies may be slow-andsteady growers, often paying income in the form of quarterly dividends. Small companies stocks can provide faster growth, but sometimes with a few bumps in the road. Value vs. Growth Stocks Value Stocks Sell at a price that is judged to be less than their underlying worth due to temporary events or market conditions; sometimes referred to as out of favor Generally represent stable and mature companies with average prospects for growth Many pay regular dividends Growth Stocks Considered to be more aggressive than value stocks May appreciate further in price, due to favorable market conditions, or new products or services; may also tend to be more volatile Many do not pay dividends 4 HuntingtonFunds.com

5 Key Characteristics of Different Segments of the Stock Market Large-Cap Stocks Issued by large, established companies, with proven track records and typically with a market capitalization of more than $10 billion Represented by the popular U.S. benchmark known as the Standard & Poor s 500 Index 1 Generally pays regular dividends Mid-Cap Stocks Issued by mid-sized companies, typically with a market capitalization between $1 billion and $10 billion Have the potential for greater growth than more conservative, large-company stocks Potentially less volatile than more aggressive, small-company stocks Small-Cap Stocks Issued by small companies with a market capitalization of less than $1 billion Have the potential for higher returns over time in exchange for a higher level of risk and volatility as compared to stocks issued by large, well-established companies International Stocks Issued by companies located outside of the U.S. and may provide additional diversification as well as solid return potential Can provide opportunities to participate in world marketplace growth Potential additional volatility due to political and currency risks May be a good choice for long-term goals like retirement especially when retirement is many years away Level of Risk HIGHER RISK AND HIGHER POTENTIAL RETURNS LARGE-CAP STOCKS $10 Billion + MID-CAP STOCKS $1 - $10 Billion SMALL-CAP STOCKS <$1 Billion Risks associated with stocks typically increase the smaller the market capitalization Mid-cap investing involves greater risk not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. Small-Cap investing involves greater risk not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. Investments in international markets present special risks including currency fluctuation, the potential for diplomatic and political instability, regulatory and liquidity risks, foreign taxation and differences in auditing and other financial standards. Risks of foreign investing are generally intensified for investments in emerging markets. HuntingtonFunds.com 5

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7 Huntington Funds Growth Funds Investing in Huntington s growth funds gives you an easy way to take advantage of a broad array of stocks with various characteristics and benefits. Seeks growth from leading companies with products and services that are household names Huntington Growth Fund PURSUES: Long-term capital appreciation by investing primarily in U.S. equity securities INVESTS IN: Common stocks of medium- to large-sized companies with the potential for growth in earnings and dividends. The Fund focuses on stocks that have proven track records, with products that America depends on and investors use every day. SUITABLE FOR: Investors with a long-term investment horizon seeking growth of principal Seeks growth opportunities beyond U.S. borders Huntington International Equity Fund 2 PURSUES: Total returns by investing in foreign stocks with the potential for superior long-term returns INVESTS IN: Stocks issued by international companies, focusing on stocks of companies chosen from more than 25 countries in Europe, Asia and the Americas SUITABLE FOR: Investors who are looking to complement their U.S. stock holdings with international stocks. Combining international stocks with U.S. investments may lower the overall risk of the portfolio, because international and U.S. markets do not typically move in lock step. Seeks to diversify with a range of mid-cap stocks Huntington Mid Corp America Fund 3 PURSUES: Long-term capital appreciation INVESTS IN: Primarily stocks issued by mid-sized companies. The Fund delivers two levels of diversification by: 1) investing in stocks with the expectation of significant earnings growth and the potential for price appreciation, and 2) holding approximately 120 stocks. SUITABLE FOR: Investors seeking capital appreciation who are interested in complementing their large-company stock investments with investments in mid-size companies. Seeks an aggressive approach to stocks Huntington Situs Fund 2,4 PURSUES: Long-term capital appreciation INVESTS IN: A strategic combination of U.S. and foreign companies whose situs, or geographical, political and/or demographic positions appear to give them a competitive advantage and the potential to outperform regardless of market capitalization. SUITABLE FOR: Investors with long-term goals who seek to complement their large-company stock holdings with a more aggressive approach. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 7

8 Need income to retire, meet current expenses or simply reinvest? Income needs come in all shapes and sizes. Some investors look for regular, monthly cash to meet current living expenses. Others would like a little extra periodically to supplement other income sources. Still others prefer to reinvest their income and purchase more shares of their mutual fund to potentially provide income down the road. Traditional Bond Funds for Income Potential Many investors looking for income have traditionally turned to bonds. Bonds, also known as debt securities, are issued by companies, municipalities or government agencies when those entities want to borrow money from investors. In a way, a bond is like a loan. Investors buy bonds based on the issuer s promise to repay the amount loaned (the principal) on a specific date in the future (the maturity date). The bond issuer agrees to pay income (make periodic interest payments) over the life of the loan. These payments may make bonds a good choice for investors who want a regular income stream. The value of a bond, also called its price, can and does fluctuate on the open market based on changing interest rates in the general economy and how far in the future the bond s maturity date might be. Bonds with shorter maturities are generally considered to be more conservative since they typically fluctuate less in value than bonds with longer maturities. The price is also affected by the issuer s credit rating, which reflects its perceived ability to make timely interest payments and repay the principal. U.S. government bonds are considered to be among the safest types of bonds because the timely payment of principal and interest is guaranteed by the U.S. government or the agency that issued them. 5 When you invest in a bond mutual fund, you own shares of a pool, or portfolio, of bonds. While bond fund total returns (which include both income and capital appreciation) haven t matched those of stock funds over the long-term, bond funds are generally considered less risky investments. For this reason, many investors use bond funds to help balance their growth portfolios and may begin to gradually shift their assets more toward these conservative funds as retirement nears. 8 HuntingtonFunds.com

9 Huntington Funds Traditional Bond Funds Looking for opportunities to add to your income or balance the higher risks associated with stocks? A traditional bond fund may be a great choice! A moderate approach to investing in bonds Huntington Fixed Income Securities Fund PURSUES: High current income INVESTS IN: Investment-grade quality corporate bonds, U.S. Treasuries and government agencies with an average portfolio maturity of 10 years or less SUITABLE FOR: Investors who are looking for current income with the moderate level of risk of a high-quality bond portfolio A moderate, all-government approach to bonds Huntington Intermediate Government Income Fund 6 PURSUES: A high level of current income INVESTS IN: A combination of U.S. Treasury, government agency and the highest quality mortgagebacked securities with an average portfolio maturity between three and ten years SUITABLE FOR: Investors seeking a high level of current income and the low credit risk of government bonds A conservative approach to investing in mortgage securities Huntington Mortgage Securities Fund 6,7 PURSUES: Current income INVESTS IN: Mortgage-backed securities, U.S. government securities and Real Estate Investment Trusts SUITABLE FOR: Investors who are seeking income A more conservative approach to bonds Huntington Short-Intermediate Fixed Income Securities Fund PURSUES: Current income INVESTS IN: High quality corporate bonds, U.S. Treasuries and government agencies; the Fund s portfolio offers low-to-moderate volatility because its dollar-weighted average portfolio maturity is more than two years but less than five years SUITABLE FOR: Investors seeking current income with low to moderate risk Bond prices are sensitive to changes in interest rates, and a rise in interest rates can cause a decline in their prices. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 9

10 Strategic Income Funds to Diversify Your Income Investing The world of income possibilities doesn t stop at bonds. Alternatives go beyond bonds into asset classes and securities considered non-traditional. Innovative income strategies provide the potential for multiple income streams for innovative sources. For additional income in your portfolio, you may want to consider adding exchange-traded funds (ETFs), dividend-paying common and preferred stocks, Real Estate Investment Trusts (REITs), and Master Limited Partnerships (MLPs) to your portfolio. These securities are issued in the U.S. and across the globe. Bond exchange-traded funds (Bond ETFs) are securities that track a bond index like an index fund but trade on an exchange like a stock. They offer investors access to various types and maturities of bonds at low cost. Preferred stocks represent a higher class of ownership in a company than common stocks; that means they have a higher claim on the assets and earnings of the company in the event it runs into trouble. The dividends of preferred stocks are generally fixed and often higher than the dividends of common stocks, but these stocks may have less potential for overall growth over time. Would you like to increase your diversification opportunities as well as your investment income potential? Consider a strategic income fund. Real Estate Investment Trusts (REITs) are securities that trade on an exchange like a stock. Instead of representing ownership in a public company, REITs invest in real estate, either directly or through mortgages. REITs typically offer relatively high yields and receive special tax considerations. Master Limited Partnerships (MLPs) are a type of publicly traded limited partnership that invests in real estate, natural resources or commodities. The investor, or limited partner, provides capital to the business and receives periodic income distributions from the MLP s cash flow. Investments in real estate investment trusts ( REITs ) and real-estate related securities involve special risks associated with an investment in real estate, such as limited liquidity and interest rate risks and may be more volatile than other securities. In addition, the value of REITs and other real estate-related investments is sensitive to changes in real estate values, extended vacancies of properties and other environmental and economic factors. Funds that invest in MLPs may have additional expenses, as some MLPs pay incentive distribution fees to their general partners. 10 HuntingtonFunds.com

11 Huntington Funds Strategic Income Funds Huntington Funds strategic income funds enable you to reach around the globe and find a broad range of potential income opportunities where you might not have thought to look. And historically, some of these non-traditional investments have provided income at rates that have outpaced more traditional asset classes income you can take as cash or reinvest to accumulate more shares. Seeks a best of both worlds (dividends and growth) approach to stocks Huntington Dividend Capture Fund 3,7,10 PURSUES: Total return (dividend income and price appreciation), with dividend income as an important component of that return INVESTS IN: Common and preferred stocks issued by mature mid-size and large U.S. companies that pay dividends; as well as dividend-paying Real Estate Investment Trusts (REITs) UTILIZES: Strategic timing of purchases and sells in an effort to capture dividend payments and increase income for shareholders SUITABLE FOR: Investors seeking capital appreciation with the potential for a higher level of income than the average stock fund Seeks dividend income along with relatively lower volatility than traditional stock investing Huntington Income Equity Fund 3,10 PURSUES: Current income and moderate appreciation of capital primarily through investments in income-producing equity securities. INVESTS IN: Primarily common stocks of medium-to-large sized companies with the potential to pay attractive dividends. SUITABLE FOR: Investors seeking a relatively less volatile approach to equity investing, a high current dividend yield, and growth in that income stream. Fund of funds designed to maximize income Huntington Income Generation Fund Pursues: Maximize current income while attempting to minimize volatility, paying monthly dividends for current cash or reinvestment. Invests In: A combination of other Huntington Funds adjusting its allocation and emphasizing different funds as market and economic conditions change, seeking just the right combination of funds to meet the income objective. Suitable For: Investors seeking monthly cash flow, reinvestment of monthly payouts or to diversify their portfolio Takes a global approach to finding income opportunities and managing risk Huntington World Income Fund 2,7,8,9 PURSUES: Current income and preservation of principal INVESTS IN: Corporate and government bonds, foreign and domestic, bond exchange-traded funds (ETFs), dividend-paying common and preferred stocks, as well as more specialized securities such as Real Estate Investment Trusts (REITs) and Master Limited Partnerships (MLPs) UTILIZES: An allocation strategy that invests in a broad range of asset classes around the world as well as a hedging strategy to help manage risk SUITABLE FOR: Investors seeking income from globally diverse sources while protecting their principal Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 11

12 How About a Different Approach for that Special Place in Your Portfolio? Many investors seek special investment opportunities that may help them increase their diversification, provide an extra potential for growth or simply help manage the overall risk of their investments. You may be looking for strategies focused on managing risk of loss in your investment portfolio uncovering potential growth opportunities around the world, or protecting your assets from inflation. Perhaps you d like to add an approach that emphasizes sophisticated investment strategies such as sector rotation or option strategies. If so, you should consider an investment in one of Huntington Funds specialty strategies. Would you like to take advantage of some specialized investment opportunities? Tap into the expertise of our investment professionals and OUR innovative strategies. 12 HuntingtonFunds.com

13 Huntington Funds Specialty Funds Uses a disciplined approach to maintain stability while investing in the large-cap industry leaders. Huntington Disciplined Equity Fund 11 PURSUES: Long-term capital appreciation with lower volatility by minimizing downside risk through an options hedging program INVESTS IN: High quality, dividend-paying stocks, employing conservative option strategies to help meet these objectives SUITABLE FOR: Long-term investors who are seeking an investment strategy with the potential to lower market volatility Opens the door to potential dynamic and growing investment opportunities in both developed and emerging markets around the world Huntington Global Select Markets Fund 2,4,7,8 PURSUES: Total return INVESTS IN: Equity and fixed income securities, in the United States and in developed and emerging markets throughout the world; may invest in Real Estate Investment Trusts (REITS) and exchange-traded funds ( ETFs ) SUITABLE FOR: Investors who seek exposure to growth opportunities around the world Seeks to diversify portfolios by investing in assets that historically are less correlated with U.S. stocks and bonds and may offer potential for inflation protection 7, 12 Huntington Real Strategies Fund PURSUES: Total return consisting of capital appreciation and income INVESTS IN: A strategic combination of primarily real estate and commodity-related securities, and inflation-protected bonds SUITABLE FOR: Investors who have long-term investment horizons and are concerned about the effects of inflation Seeks opportunity wherever it can be found Huntington Rotating Markets Fund 2,3,4 PURSUES: Capital appreciation INVESTS IN: The equity market segment believed to offer the greatest potential for capital appreciation given current economic conditions. Provides investors the opportunity to pursue the performance potential of a wide range of sectors as represented by major broad-based stock indexes including large-, mid-, small-cap and global. Based on the market and economic outlook, the Fund s manager rotates, or focuses, the portfolios in the sector that the manager believes to have the most potential. SUITABLE FOR: Investors looking for a unique approach to capital appreciation Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 13

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15 Do You Want a Simple Way to Own a Broadly Diversified Portfolio? Diversifying your portfolio may be the most important strategy you can use to help make the most of your investment. Putting all your eggs or dollars in one basket may expose your money to a high degree of risk. By allocating portions of your assets among a variety of growth, income and specialty investments, you have the potential to capture the performance of each, while managing the overall risk for your portfolio over time. Historically, different sectors of the market have performed well at various times. While the international sector increases in value, domestic securities may be growing less rapidly or even decreasing. Similarly, when stocks are declining, bonds may be on the rise. Huntington Asset Advisors strategists have developed a tactical asset allocation strategy to capitalize on potential opportunities in the market. Using this strategy, the Huntington Asset Allocation Funds were developed to offer an efficient mix of risk and return designed to meet investors particular objectives. For each Fund, our strategists look first to the appropriate balance of growth and income. Then, based on the tactical asset allocation strategy, specific Huntington Funds are selected to create a portfolio designed to reflect the appropriate risk/reward profile for the given Huntington Asset Allocation Fund. The resulting portfolios have what we believe to be the potential to deliver robust long-term performance over a wide range of market conditions. Diversification does not ensure a profit or guarantee against loss. HuntingtonFunds.com 15

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17 3, 4, 13, 14, 15 Huntington Asset Allocation Funds Huntington strategists employ a tactical asset allocation strategy to capitalize on potential opportunities in the market and provide an efficient mix of risk and return as appropriate for your situation. 20% Equity HUNTINGTON Conservative Allocation Fund PURSUES: High current income INVESTS IN: A combination of underlying Huntington Funds with a target asset allocation of 20% Equity, 80% Income, and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds, but also includes weightings to mid- and small-cap equities. 80% Income SUITABLE FOR: Investors seeking additional diversification provided by a conservative portfolio of funds with exposure to both fixed income and equity sectors. 40% Income HUNTINGTON Balanced Allocation Fund PURSUES: Current income and moderate appreciation of capital INVESTS IN: A combination of underlying Huntington Funds with an asset allocation target of 60% Equity, 40% Income, and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds, but also includes weightings to mid- and small-cap equities. 60% Equity SUITABLE FOR: Investors seeking additional diversification provided by a balanced portfolio of funds, with exposure to both equity and fixed income sectors. 20% Income HUNTINGTON Growth Allocation Fund PURSUES: Capital appreciation with income as a secondary goal INVESTS IN: A combination of underlying Huntington Funds with an asset allocation target of 80% Equity, 20% Income and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds but also includes weightings to mid- and small-cap equities. 80% Equity SUITABLE FOR: Investors seeking additional diversification provided by a growth-oriented portfolio of funds with exposure to both equity and fixed income sectors. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 17

18 1 The S&P 500 Index is an unmanaged, capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. Investments cannot be made in an index. 2 International investing involves special risks including currency risk, increased volatility of foreign securities, political risks and differences in auditing and other financial standards. In addition, prices of emerging markets securities can be significantly more volatile than the prices of securities in developed countries and currency risk and political risks are accentuated in emerging markets. 3 Mid-cap investing involves greater risks not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. 4 Small company stocks may be less liquid and subject to greater price volatility than large capitalization stocks. Companies with smaller market capitalizations also tend to have unproven track records, a limited product or service base and limited access to capital. These factors also increase risks and make these companies more likely to fail than companies with larger market capitalizations. 5 Mutual Funds shares are not guaranteed, not bank products, not FDIC insured. 6 The value of some mortgage-backed securities may be particularly sensitive to changes in prevailing interest rates, and although the securities are generally supported by some form of government or private insurance, there is no assurance that private guarantors or insurers will meet their obligations. 7 Investment in real estate investment trusts ( REITs ) involves special risks associated with an investment in real estate such as limited liquidity and interest rate risks. Property values can fall due to environmental, economic, or other reasons, and changes in interest rates can negatively impact the performance of real estate companies. 8 An investment in an exchange-traded fund ( ETF ) generally presents the same primary risks as an investment in a fund that is not exchange traded and may also be subject to other risks, such as: (i) ETF shares may trade above or below their net asset value; (ii) an active trading market for an ETFs shares may not develop or be maintained and (iii) trading of an ETFs shares may be halted by the listing exchange s officials. Ultrashort ETFs are subject to additional risks. 9 Master Limited Partnerships (MLPs) concentrate investments in the natural resource sector and are subject to the risks of energy prices and demand and the volatility of commodity investments. Damage to facilities and infrastructure of MLPs may significantly affect the value of an investment and may incur environmental costs and liabilities due to the nature of their business. MLPs are subject to significant regulation and may be adversely affected by changes in the regulatory environment. MLPs are subject to certain risks inherent in the structure of MLPs, including complex tax structure risks, the limited ability for election or removal of management, limited voting rights, potential dependence on parent companies or sponsors for revenues to satisfy obligations, and potential conflicts of interest between partners, members and affiliates. 10 There are no guarantees that dividend-paying stocks will continue to pay dividends. In addition, dividend-paying stocks may not experience the same capital appreciation potential as non-dividend paying stocks. 11 The Fund may write (sell) covered call options (options to purchase a security at a predetermined price for a specified period of time) which may limit the Fund s gain, if any, on the underlying securities, and the Fund continues to bear the risk of a decline in the value of the underlying stock until the option expires or is closed out. The Fund may write (sell) call options and purchase put options (options to sell a security at a predetermined price for a specified period of time) and/or enter into put option spreads. The Fund may also write (sell) put options on individual stocks deemed attractive for purchase at prices at or above the exercise price of the put options written. If a counterparty is unable to honor its commitments, the value of Fund shares may decline and/or the Fund could experience delays in the return of collateral or other assets held by the counterparty. Selling covered calls will result in tax consequences that will impact and affect the overall performance of the Fund. 12 While inflation-protected securities ( IPS ) adjust in response to inflation as measured by a specific price index, the value of these securities generally may still decline in response to an increase in real interest rates. In addition, any increase in principal value of an IPS caused by an increase in the price index is taxable in the year the increase occurs, even though the Fund will not receive cash representing the increase at the time. Commodities-related investments are subject to the same risks as direct investments in commodities and prices may rise and fall in response to many factors such as economic, political and regulatory developments. The Fund s use of derivative instruments involves risks different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments. These risks include interest rate risk, credit risk, liquidity and leverage risks. Derivatives may also increase the taxable distribution to shareholders, as explained in the Fund s prospectus. Diversification does not assure a profit nor protect against loss. Although the fund can add diversification to your portfolio, the fund itself is a non-diversified fund. The Fund may invest a greater percentage of its assets in the securities of a single issuer than do other mutual funds. Therefore, Fund performance can be affected significantly by the performance of one or a small number of issuers. 13 The risk of investing in the Huntington Asset Allocation Funds is a reflection of the risks of investing in the Underlying Funds in which each Asset Allocation Fund invests. Therefore, it is important that you carefully read the prospectus for each Underlying Fund. 14 Because the Asset Allocation Funds invest in other Funds, the Asset Allocation Funds are shareholders of the Underlying Funds and indirectly bear proportionate share of the operating expenses, including management fees, of the Underlying Funds. 15 Diversification does not ensure a profit or protect against loss. 18 HuntingtonFunds.com

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20 Huntington Funds 41 South High Street, HC0520 Columbus, OH HuntingtonFunds.com Shareholder Services: Huntington Asset Services 2960 Meridian Street, Suite 300 Indianapolis, IN For more complete information about the Huntington Funds, call , or visit funds.com for a prospectus. Investors should consider the fund s investment objectives, risks, charges, and expenses carefully before they invest. Information about these and other important subjects is in the fund s investment objectives, risks, charges, and expenses carefully before investing. Information about these and other important subjects is in the fund s prospectus, which should be read carefully before investing. The Funds are distributed by Unified Financial Securities, Inc. (Member FINRA) a wholly owned subsidiary of Huntington Bancshares, Inc. and an affiliate of Huntington Asset Advisors, Inc. the advisor to the Huntington Funds. and Huntington are federally registered service marks of Huntington Bancshares Incorporated 2012 Huntington Bancshares Inc. Not A Deposit Not FDIC Insured Not Insured By Any Government Agency No Bank Guarantee May Lose Value 1 HuntingtonFunds.com