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^¶ Free Non-Huntington ATM Withdrawals. With SmartInvest Checking^® and Huntington Platinum Perks Checking^® we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. With Huntington Perks Checking^® your first 5 non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM, as well as any international transaction fees. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM, or other fees charged by the network.↩

^§§ Alerts. Message and data rates may apply.↩

^{^} Monitoring Services. The Monitoring Services are optional and are not available with all accounts. Enrollment requires agreement to the Services Terms & Conditions, which include important legal terms that a customer should read carefully before deciding whether to enroll.↩

Experian Partner Solutions Study, 2022. Huntington Bank Customers that subscribed to Credit Score and ID Monitoring Services between December 2020 and December 2021, with bundles including periodic credit reports, VantageScores, and/or summaries. VantageScore change measured 3, 6, 9, and 12 months post-enrollment.

^Ұ Relationship rate benefit. The interest rate on your Relationship Money Market or Relationship Savings Account may be better when you also own a Huntington Perks Checking or Huntington Platinum Perks Checking account. Ask a banker to see a rate sheet for details. Your interest rates and APY will be determined based on your zip code. Please note: If you are an existing Huntington customer with an address outside of our eleven-state footprint, your interest rates and APY will be determined based on a Columbus, Ohio, regional zip code.↩

^≠ Mortgage Relationship Discount. Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply. All loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufficient value. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking^®, SmartInvest Checking^®, or Private Client Account (these accounts are a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Mortgage Relationship Discounts vary based on the (1) type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings, certificates of deposit (CDs), and individual retirement accounts (IRAs) on which you are an owner), and all Huntington consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors^®, are also eligible accounts, however, annuity accounts opened on or after the mortgage loan application date are excluded from the Mortgage Relationship Balance. Investment, trust and annuity account balances will be assessed based on the account balances that are periodically reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington Platinum Perks Checking^®, SmartInvest Checking^® or Private Client Account checking account and a signed agreement at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking account. The Mortgage Relationship Balance amount(s) must be on deposit at Huntington at least one (1) business day prior to the issuance of the final Mortgage Closing Disclosure prior to the loan closing in order to receive this benefit, and will not include any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.↩

^Ω The Home Equity Line of Credit Relationship Discount. The “Rate Discount” consists of preferred Annual Percentage Rates and related preferred variable rate margins applied to your Home Equity Line of Credit (which is also referred to as a personal credit line or “PCL”). To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking^®, SmartInvest Checking^® or Private Client Account (these accounts are a “qualifying checking account,”) and have at least $25,000 in qualifying relationship balances (“qualifying balances”). Qualifying balances include money that is on deposit in all Huntington consumer deposit accounts (checking, money market, savings, certificate of deposit (CDs), and individual retirement accounts (IRAs)), on which you are an owner; and all Huntington Consumer investments (IRA and non-IRA) held in brokerage, trust, or managed money accounts. Existing annuities with a cash value account balance opened by Huntington Financial Advisors® are also qualified balances, however, annuity accounts opened on or after the HELOC application date are excluded from the HELOC qualifying balances. Investment, trust and annuity account balances will be assessed based on their respective balances that are periodically reported to Huntington systems by a variety of third-party sources. Your specific Rate Discount will depend on the total amount of qualifying balances that correspond to our balance requirement discount rate tier grid. Ask a banker for details. If you do qualify for a Rate Discount, you will then also qualify for an Annual Fee Waiver ($60, $50 in MN) during the first year your HELOC is open and during the subsequent years over the PCL Draw and Repayment Periods, as applicable, for as long as you maintain your qualifying checking account in good standing with us. If, at any point during the PCL Draw Period or Repayment Period (“Period(s)”), you close your checking account or the account is closed by us for any reason, your Annual Fee may be reinstated for the following year and for each subsequent year during those Periods, as applicable. Rate Discount eligibility is subject to account and balance validation when Huntington prepares your PCL agreement for your signature.

Huntington HELOC is subject to credit application and approval. The Rate Discount and Annual Fee Waiver apply only to new HELOC customers which are defined as customers without an existing Huntington HELOC on the subject property within the last 180 days of closing on the new one. APRs range from 2.96% to 17.24%. Rates on the HELOC are variable based on Prime plus or minus a margin and can change monthly but will never be higher than 18.00% APR. The margin is based on your home’s loan-to-value ratio, lien position, owner occupancy status, applicant’s credit history, and the amount of the credit line. “Prime” and “Prime Rate” mean the “Bank Prime Loan” rate published by the Board of Governors of the Federal Reserve System in its statistical release H.15 (510) entitled “Selected Interest Rates.” Use of the word “Prime” does not mean that the rate is the best or lowest rate offered by any lender. Current Prime Rate is 7.75% as of November 8, 2024. Rates may change at any time. Borrower-paid title insurance may be required on loan amounts greater than $750,000. Mail-away Fees, which also include a notary fee, range from $125 to $375 and will apply when closing is facilitated by a third party on Huntington’s behalf. In this instance, a $25 courier fee will also apply. Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a special flood hazard area. There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 20-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period. Making only the minimum payment during the first 10 years will not reduce the principal balance on the account.↩

^Ⱡ Investments Relationship Discount. This program is offered through Huntington Financial Advisors® (HFA), which is a federally registered service mark and a trade name under which The Huntington Investment Company® (“HIC”) offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Huntington Financial Advisors® is a federally registered service mark of Huntington Bancshares Incorporated.

This program offering consists of unlimited commission- free, online trades for equities and exchange-traded funds, limited to self-directed orders placed through the HFA Wealthscape Investor online platform.

Eligible customers must have: 1) a SmartInvest Checking^® account, 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform, and 3) an open and funded Managed Investment account with Huntington Private Bank or HFA. A new HFA brokerage account must be opened, and a signed E-Delivery Agreement must be on file, to be eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please contact the National Advice Center at 1-877-587-8049 or the Advisory Resource Group at 1-800-530-1690.

^ⱠⱠ Investments Relationship Discount. This program is offered through Huntington Financial Advisors^® (HFA), which is a federally registered service mark and a trade name under which The Huntington Investment Company (“HIC”) offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Huntington Financial Advisors^® is a federally registered service mark of Huntington Bancshares Incorporated.↩

This program offering consists of one hundred (100) commission-free, online trades for equities and exchange-traded funds per calendar year, per customer ($6.95 commission thereafter), limited to self-directed orders placed through the HFA Wealthscape Investor online platform.

Eligible customers must have: 1) a Huntington Platinum Perks Checking^® account or a Private Client Account with The Huntington National Bank (Huntington), and 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform. All HFA brokerage customers with an open qualifying Huntington checking account and a signed E-Delivery Agreement for their brokerage accounts are eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please meet with a Financial Advisor.↩

Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

^‡ Total Relationship Balance. Refer to Personal Account Charges Form for detailed explanation of Total Relationship Balances. You can avoid the monthly checking maintenance fee for any statement period for Huntington Perks Checking℠ if you have $1,000 in monthly deposits or if you keep a Total Relationship Balance of at least $5,000 in eligible deposits. You can avoid the monthly checking maintenance fee for any statement period for Huntington Platinum Perks Checking^® if you keep a Total Relationship Balance of at least $25,000 in eligible deposits. Eligible deposits are deposits held directly with us or investments made through our affiliate, Huntington Financial Advisors^® (HFA). They include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name, made through us or which HFA reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts and certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank^®, as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. We figure the Total Relationship Balance each month by adding the qualifying balances, as we determine them, for all of your eligible accounts to the average daily balance of this checking account for the monthly statement period. ↩

^‡‡ Total Relationship Balance. You must maintain a Total Relationship Balance of at least $100,000. Your Total Relationship Balance includes eligible deposits held directly with The Huntington National Bank® (Huntington) or eligible investments made through our affiliate, Huntington Financial Advisors® (HFA). Eligible deposits include this account and any other consumer checking, money market, savings, certificate of deposit (CD), and individual retirement accounts (IRA) on which you are an owner. Eligible investments are those in your name made through Huntington or which HFA reports to our deposit system for inclusion in the Total Relationship Balance, and generally include investments (both IRA and non-IRA) held in brokerage accounts, certain direct investments in mutual funds and annuities, as well as advisory account balances. Investments held in IRAs and agency accounts with Huntington Private Bank® are eligible as well as personal agency accounts within the Trust Group that utilize your social security number, are also eligible. We figure the Total Relationship Balance each day by adding the qualifying balances (as we determine them) for all of your eligible accounts. ↩

^‡‡‡ Managed Investment: A Managed Investment account is an account where a financial advisor provides and implements investment advice tailored to your unique goals and preferences in exchange for an ongoing fee. Qualifying managed investment accounts include an investment management account offered through the Huntington Private Bank® or an investment advisory account offered through the Bank's affiliated registered investment adviser, Huntington Financial Advisors®. Accounts titled as corporate, business, and/or trust are not eligible.↩

^ҰҰThe business can avoid the monthly checking maintenance fee ($20.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $10,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Perks Checking^® Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001. ↩

^#The business can avoid the monthly checking maintenance fee ($40.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $50,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Platinum Perks Checking^® Account, Private Client Checking Account, or a SmartInvest Checking® Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001. ↩

Asterisk-Free Checking^®, Huntington Perks Checking^®, Huntington Platinum Perks Checking^® and SmartInvest Checking^® are federally registered service marks of Huntington Bancshares Incorporated.

^†Minimum balance to avoid monthly maintenance fee without a qualifying checking account is $25,000.00.↩

^¶Minimum balance to avoid the monthly maintenance fee without a qualifying account is $2,500. Minimum balance to earn interest is $0.01.↩

^#Minimum balance to avoid the monthly maintenance fee without a qualifying account is $300. Minimum balance to earn interest is $0.01.↩

^≠The interest rate on your Relationship Money Market or Relationship Savings Account will be better when you also own a Huntington Perks or Huntington Platinum Perks Checking Account. Ask a banker to see a rate sheet for details.↩

^ⱠⱠ Non-Huntington ATM. With SmartInvest Checking^® we'll waive all non-Huntington ATM cash withdrawal fees per statement cycle at any ATM worldwide. We'll also reimburse you withdrawal fees on the same transactions charged by the owner of a non-Huntington ATM, as well as any international transaction fees. You will be responsible for any additional fees charged by the owner of a non-Huntington ATM, or other fees charged by the network. ↩

^Ⱡ Investments Relationship Discount. This program is offered through Huntington Financial Advisors^® (HFA), which is a federally registered service mark and a trade name under which The Huntington Investment Company^® ("HIC") offers securities and insurance products and services. HIC is a registered broker-dealer, member FINRA and SIPC, and a registered investment advisor with the U.S. Securities and Exchange Commission. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. ↩

This program offering consists of unlimited commission-free, online trades for equities and exchange-traded funds, limited to self-directed orders placed through the HFA Wealthscape Investor online platform.

Eligible customers must have: 1) a SmartInvest Checking^® account, 2) a signed E-Delivery Agreement for the electronic receipt of brokerage statements and trade confirmations through the Wealthscape Investor online platform, and 3) an open and funded Managed Investment account with Huntington Private Bank or HFA. A new HFA brokerage account must be opened, and a signed E-Delivery Agreement must be on file, to be eligible for this offer. Brokerage accounts are subject to account terms and conditions and additional account and service fees may apply. For further details about this offer, its specific terms and conditions and self-directed investing through HFA, please contact the National Advice Center at 1-877-587-8049 or the Advisory Resource Group at 1-800-530-1690.

Investment, Insurance, and Non-Deposit Trust products are: NOT A DEPOSIT• NOT FDIC INSURED • NOT GUARANTEED BY THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

Huntington Financial Advisors^® is a federally registered service mark and a trade name under which The Huntington Investment Company offers securities and insurance products and services. The Huntington Investment Company is a registered broker-dealer, member FINRA and SIPC, and a registered investment advisor with the U.S. Securities and Exchange Commission (SEC).

Huntington Private Bank^® is a team of professionals dedicated to delivering a full range of wealth and financial services. The team is comprised of Private Bankers, who offer premium banking solutions, Wealth and Investments Management professionals, who provide, among other services, trust and estate administration and portfolio management from The Huntington National Bank, and licensed investment representatives of The Huntington Investment Company, who offers securities and Investment Advisory services. Huntington Private Bank^® is a service mark of Huntington Bancshares Incorporated. The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated. Certain insurance products are offered by Huntington Insurance, Inc., a wholly-owned subsidiary of Huntington Bancshares Incorporated, and underwritten by third-party insurance carriers not affiliated with Huntington Insurance, Inc.

Huntington Perks Checking^®, Huntington Platinum Perks®, Huntington SmartInvest Money Market^® and Huntington SmartInvest Checking^® are federally registered service marks of Huntington Bancshares Incorporated.

^‡Earn 3X rewards in the one category you choose from ten pre-selected categories, up to $2,000 in spend per quarter. You may select your category once within the first 30 days of opening a new account then again prior to the start of each quarter for the next quarter. Earn 1X rewards even after you reach the quarterly limit. Plus earn an unlimited 1X rewards on all other purchases. 10,000 rewards points equals $100.↩

Mastercard and Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

^† Voice Credit Card Terms and Conditions, Voice Rewards Terms and Conditions, Cashback Card Terms and Conditions, Cashback Rewards Terms and Conditions, Secured Card Rewards Terms and Conditions, Secured Card Terms and Conditions. ↩

^≠Costs of any goods or services provided by the concierge will be billed to your World Elite Mastercard. This benefit may be subject to change without prior notice. Please visit mastercard.us/worldelite or call 1-800-MASTERCARD for the latest benefit information.↩

^†Message and data charges may apply.↩

^§A “transaction” is any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and bill payment transactions made through Huntington’s Online Bill Pay service.↩

^≠Huntington Business Checking 100 provides 100 transactions ($0.50 per transaction over 100) during each statement cycle.↩

^‡Your account will be automatically closed if it remains negative in any amount for 60 days, including if your account is overdrawn within our $50 Safety Zone. Learn more at huntington.com/BusinessSafetyZone and huntington.com/BusinessGrace.↩

^¶Payroll processing services provided by Paychex, a third party commercial vendor. The Huntington National Bank is not an affiliate of Paychex, and does not provide, warrant, or guaranty their products or services.↩

^‡‡The business can avoid the monthly checking maintenance fee ($20.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $10,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Perks Checking℠ Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001. ↩

^#The business can avoid the monthly checking maintenance fee ($40.00) for any statement period on this checking account when the business keeps a total deposit relationship balance of at least $50,000 in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance. Personal Checking Account Relationship Benefit: The business can also avoid the monthly checking maintenance fee for any statement period on this business checking account when a business owner maintains a personal Huntington Platinum Perks Checking℠ Account, Private Client Checking Account, or a SmartInvest Checking® Account through that same statement period. Business ownership for the purposes of this benefit is defined as a 25% or greater beneficial ownership interest and is determined by information in Huntington’s client records. To remove the benefit of a personal relationship, the owner of the personal checking account will need to contact (800) 480-2001.↩

⁺Message and data charges may apply.↩

^§Huntington is not acting on behalf of, or at the direction of, the VA, FHA, the USDA or the Federal Government.↩

^† Program only available to medical doctors who have a minimum degree of M.D., D.O., D.M.D., D.V.M., or D.D.S. and proof of sufficient income or active employment contract with proof of sufficient income and reserves. Minimum reserves required vary depending on amount of the loan. Maximum loan amount at 100% financing is $1,000,000, at 95% financing is $1,250,000 and 90% financing is $2,000,000. Loan-to-value (LTV) financing options vary based on customer FICO score. Maximum overall loan amount is $2,000.000 with a maximum overall cash out option of $250,000 for refinances. Program is limited to the purchase or refinance of a primary residence.↩

^††Interest rates and APRs are adjustable rates and subject to increase after consummation. The initial interest rate for the 3/1 ARM and the 5/1 ARM is in effect for the first 36 months, or 60 months, respectively. After 36 months, or 60 months, the interest rate is subject to change every 6 months.↩

^‡State Bond Down Payment Assistance programs have qualifications as determined by the sponsoring agency. See your MLO for more information, including qualifications and important rate, fee and other cost information. All loans are subject to terms and conditions.↩

All lending products are subject to application and credit approval, satisfactory appraisal and title insurance. Terms, conditions, and loan programs are subject to change without notice. Other terms, conditions, and restrictions may apply.

Click here to find a loan officer near you or give us a call at 1-800-LOAN US-1 (1-800-562-6871) for terms available in your area. Mortgage Insurance may be required for loans that have less than a 20% down payment which will increase the APR and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington's mortgage division offers many different mortgage products; your APR may vary depending on the product for which you apply.

^† You have the option to convert your variable rate line to a fixed rate; however, the fixed rate will always be higher. A $75 fee will be charged for each transaction converting an amount from a variable rate to a fixed rate in CO, IL, KY, MI, MN, OH, PA, and WI.↩

All Home equity loans and lines of credit are subject to application and credit approval, satisfactory appraisal and title search. Home equity loans and lines of credit in excess of $750,000 will require title insurance.

^†Lending products subject to credit application and approval. Annual Percentage Rates, term, and payment amount may be different depending on your credit history and the amount financed. Your loan amount options will be determined through a review of your Ability to Repay, which includes a review of your income, and your debt, including the debt listed on your credit report.↩