b'FIFTH THIRD BANK CARD AGREEMENT for Mastercard\xc2\xae and Visa\xc2\xae Card Accounts\nF03-S926-3 -0220 OL\nThis Agreement governs the terms and conditions of your Account. You should retain and carefully review this entire Agreement.\nYou and we agree as follows:\nWe give this Agreement to our customers when they are approved for an Account, or when they request it. By opening an Account\nand making Transactions, you agree to use this Account only for personal, family or household purposes and to comply with this\nentire Agreement. Unless otherwise speci\xef\xac\x81ed, the words you, your and yours mean anyone who applied to us for an Account\nand whose application we have approved, and who uses the Account with your permission. The words we, our, us and Fifth Third\nmean Fifth Third Bank, National Association and its successors and assigns.\nDEFINITIONS\n\nAccount: Unless the context provides otherwise, your credit card account that you can access with your Gold Mastecard,\nPlatinum Mastercard, Standard Platinum Mastercard, Platinum Prime Mastercard, Cash Rewards Mastercard, Stand Up to\nCancer\xc2\xae Credit Card, Real Life Rewards Credit Card, Nashville Predators Credit Card, Columbus Zoo and Aquarium Credit\nCard, Employee Rewards Mastercard, Select Variable Rate Mastercard, Secured Mastercard, VISA Gold, VISA Platinum,\nSelect Variable Rate VISA, and Secured VISA card.\n\nAccount Statement: The periodic statement we mail to you in connection with your Account.\nAgreement: This Fifth Third Bank Card Agreement for Mastercard and Visa.\n\nAnnual Fee: Certain cards have an annual fee. If your Card has an annual fee, the amount of the annual fee is disclosed in the\napplication for your Account and also will be disclosed in the document that accompanies your Card.\nApplicable Law: At any time, any applicable (a) federal, state or local statutes, regulations, licensing requirements, regulatory\nbulletins or guidance, regulatory examinations, agreements or orders, (b) rule, regulation, restriction, requirement or contractual\nterm of Visa, Mastercard or other card network, and (c) judicial or administrative interpretations of any of the foregoing.\nATM: Automated teller machine.\n\nAuthorized User: Any person you allow to use your Account.\n\nAvailable Credit Limit: The difference between the balances you owe us and your Account credit limit.\n\nBank Account: If you use your Card as an ATM card, your savings or checking account that you maintain with us primarily for\npersonal, household or family purposes and designate for use with your Card.\nBilling Cycle: Time periods we use to manage your Account; each Billing Cycle is approximately one month long.\nBusiness Day: Monday through Friday, excluding Federal Reserve Bank holidays.\n\nCard: One or more cards or other access devices, including your account number or virtual card, that we issue to you, or\nsomeone you authorize, to receive credit under this Agreement.\nCash Advance: A transaction in which you (a) use your Card to get cash from an ATM; (b) present your Card to any bank or\nother person that accepts the Card to get cash or cash-like equivalents (for example, money orders, traveler\xe2\x80\x99s checks or other\npayment instruments) from your Account; (c) use a Convenience Check or access Ready Reserve Overdraft Protection; (d) use\nyour Card or your Account number to make a person-to-person transfer conducted through the Internet or otherwise; or\n(e) quasi-cash transactions.\nConvenience Check: A check that may be used to access your Account.\n\nCovered Barrower: A consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members\nand Dependents under 32 C.F.R. \xc2\xa7 232 (the Military Lending Act Regulations).\nCurrent Billing Cycle: A Billing Cycle that just ended.\n\nDaily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a daily basis.\nEFT: Electronic funds transfer.\n\nForeign Transaction: A Transaction that occurs or is submitted to us from outside the United States or in a foreign currency.\nInternational Transaction Fee: A fee imposed for each Transaction outside of the U.S. or in a foreign currency.\n\nMinimum Payment Due: The minimum amount you must pay by the Payment Due Date shown on the front of your Account\nStatement.\nNew Balance: The new balance on your Account shown on the front of your Account Statement.\nPayment Address: The remittance address indicated on the front of your Account Statement.\n\nPayment Due Date: The date shown on the front of your Account Statement by which we must receive payment for the Billing\nCycle.\nPIN: Personal identi\xef\xac\x81cation number.\nPOS: Point of sale.\n\nPrime Rate: The highest prime rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the online version of The Wall Street Journal (WSJ).\n1\n\n\x0cPurchase: A purchase or lease of goods or services made with your Card or your Account.\n\nReady Reserve Overdraft Protection: An optional feature of your Account whereby you may link a checking account to your\nAccount to cover overdrafts on the checking account.\nSecured Bank Account: If you have a Secured Card, your savings account with us that you have designated to secure\nrepayment of your Account.\nTransaction: A Purchase or a Cash Advance.\nU.S.: United States\n\nHOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT\n\n1. Card Transactions, Purchases and Cash Advances. You may use your Account and your Card to make a Purchase or obtain a\nCash Advance by presenting your Card or your Account number to participating merchants and establishments where the Card is\nhonored. We will also treat as a Cash Advance any transaction using Ready Reserve Overdraft Protection.\nYou may also use your Card to transfer balances from other creditors, to make other transactions by means of balance transfer\ncoupons or checks, or for any other transactions that we encourage you to make through an introductory or promotional offer, in\naccordance with the additional terms and conditions that we may offer from time to time. Unless we tell you otherwise, we will also\ntreat any such balance transfer or other transaction as a Purchase.\nYou agree that any debt incurred using your Account or your Card is valid, regardless of the purpose of the Transaction. Purchases\nfrom a merchant that are directly convertible to cash (sometimes called \xe2\x80\x9cquasi-cash\xe2\x80\x9d transactions), such as purchases of casino\ngaming chips, lottery tickets, money orders, wire transfer services, travelers cheques or foreign currency, may not be permitted with\nyour Card. In the event it is permitted, it will be treated as a Cash Advance. You may not use your Card or your Account for any\nillegal transaction or any gambling transaction. We reserve the right to decline any such transaction without notice.\nUnless prohibited by Applicable Law, we may, from time to time, limit the type, number and dollar amounts of any Transactions,\neven if you have suf\xef\xac\x81cient available credit. We may also terminate or suspend your use of your Account and Card and access to\nyour Account without notice unless prohibited by Applicable Law.\n2. Credit Limit. We will inform you of your credit limit from time to time. You must keep your Account balance below your credit\nlimit. If you do not, you must still pay us. We may designate part of your credit limit as a cash advance limit. We may increase or\ndecrease your credit limit or your cash advance limit at any time, without notice. Your available credit may not be restored for up\nto 7 days after we receive your payment.\n3. Secured Cards. If you have applied and been approved for a Secured Card, you have granted us a security interest in\nthe funds, including any funds deposited following the effective date of this Agreement, in your Secured Bank Account. You\nacknowledge that you speci\xef\xac\x81cally intended to grant us the security interest in all funds in the Secured Bank Account, that this\nsecurity interest is an express condition for your Account and that funds in your Secured Bank Account must remain on deposit\nduring the term of this Agreement in accordance with the separate Secured Bank Account disclosure provided to you in the\napplication you completed. You agree to sign all applications and documents that we may request from time to time that show that\nyou have granted and assigned to us the security interest in the Secured Bank Account.\nIf you do not pay your Account balance or you or we decide to close your Account for any reason, you authorize us to apply all\nof the funds in the Secured Bank Account to your outstanding Account balance. If the outstanding Account balance exceeds the\namount of funds in your Secured Bank Account, you will remain liable for any outstanding Account balances, including all fees or\ncharges that may subsequently be charged to the Account, until the Account balance is paid in full.\n4. Convenience Checks. We may issue Convenience Checks to you, which may be used to access your Account. We will treat\nany Convenience Check issued to you that we pay as a Cash Advance (except for a Convenience Check issued to you as part\nof a promotional offer which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the amount of the\nConvenience Check from your Cash Advance credit limit. Each Convenience Check must be denominated in U.S. dollars and\ncompleted and signed by you in the same manner as a personal check. If we provide you with Convenience Checks for your\nAccount, you may not use them to pay any amount you owe on your Account. You may not request, and we will not honor, a\nstop payment on any Convenience Check. We reserve the right to return any Convenience Check unpaid if (a) the amount of the\nConvenience Check exceeds your Cash Advance credit limit; (b) your Account is not in good standing or you are otherwise in\ndefault of this Agreement; (c) your Card or Convenience Checks have been reported lost or stolen or your Account may have been\nsubject to unauthorized use; (d) you use a Convenience Check to pay any amount you owe on your Account; or (e) for any other\nreason. We will not be liable if we choose to return any Convenience Check unpaid.\n5. Unauthorized Use. You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you\nbelieve someone is using your Account or a Card without your permission. If you notice the loss or theft of your Card or a\npossible unauthorized use of your Card or Account, you should contact us immediately at 877-833-6197, Monday through Friday\n7 AM to 8 PM (EST) or Saturday 8:30 AM to 5 PM (EST). Outside of these hours, contact us at 800-972-3030.\n6. Third-Party Claims or Defenses. We are not responsible if a third party refuses to accept or honor your Card or Account, even if\nyou have suf\xef\xac\x81cient available credit. Except as required by Applicable Law, we will not be responsible for any claim or defense you\nmay have against any third party that arises out of or in connection with any Transaction with your Account or Card or any services\nor goods or other property purchased or leased using your Account or Card.\n\n2\n\n\x0cPAYING YOUR BILLS\n\n7. Periodic Account Statements. Except as otherwise stated in this Agreement, we will send you an Account Statement. Unless\nyou make other arrangements with us, your Account Statement will be mailed to you by regular mail to your address as it appears\non our records.\nWe will send your Account Statement for each Billing Cycle at the end of which your Account has a debit or credit balance in\nexcess of $1.00 or on which an interest charge has been imposed. Generally, you will receive 12 Account Statements each year\nyour Account is open. We will not send your Account Statement if (a) we deem your Account uncollectible, (b) delinquency\ncollection proceedings have been instituted, or (c) for any other reason permitted by Applicable Law.\nPayment Instructions: We credit your payments in accordance with the terms on your statement. If you mail your payment to\nan address other than the payment address shown on your statement, there may be a delay in crediting the payment to your\nAccount. We can accept late payments, partial payments or payments marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d or with any other restrictive\nendorsement, without losing any of our rights under this Agreement. You must pay us in U.S. dollars in funds on deposit in the\nU.S. If you do not, we may refuse to accept your payment. We may also charge you the costs we incurred to collect the funds and\nwe may select the currency conversion rate.\n8. Minimum Payment Due. Your payment is due on or before the Payment Due Date shown on your Account Statement. You\nmust pay at least the Minimum Payment Due shown on your Account Statement on a monthly basis, which will be the greater\nof (a) 2% of the New Balance, (b) 0.5% of the New Balance plus total billed interest charges and any fees, or (c) $35.00. Any\nNew Balance less than $35 is payable in full. The Minimum Payment Due shown on your Account Statement will also include any\namount past due and any amount by which your Account exceeds its credit limit.\nAlthough we may post payments as of the date we receive them, your Available Credit Limit may not be restored for up to 7 days\nafter we receive your payment. If the Minimum Payment Due is to be automatically deducted from your checking or savings\naccount with us, you agree to have on deposit in that account on the Payment Due Date available funds equal to the Minimum\nPayment Due.\nHow We Apply Payments. We apply payments up to the Minimum Payment Due at our discretion. This may result in balances at\nlower APRs being paid before other balances. This may also result in higher interest charges. Payments in excess of the Minimum\nPayment Due will be applied consistent with law.\nAutomatic Billing. You may set up automatic billing with a merchant. If your Account Number or expiration date changes,\nyou authorize us to provide the merchant with this information at our discretion. To stop automatic billing, you must contact the\nmerchant directly.\n9. Prepayment. You may pay without penalty any portion of the entire New Balance or more than your Minimum Payment Due\nbefore the Payment Due Date. You understand that by making a prepayment, the total amount you owe us will be reduced but that\nyou must pay the Minimum Payment Due in successive Billing Cycles as re\xef\xac\x82ected in your Account Statement.\nDETERMINATION OF INTEREST CHARGES\n\n10. Daily Periodic Rate. We determine the Daily Periodic Rate by dividing the applicable APR by 365 (366 if a leap year).\n11. Minimum Interest Charge. If we charge interest, the minimum interest charge will be a $1.50.\n\n12. Annual Percentage Rate (APR).\n(a) APR for Purchases, Balance Transfers and Cash Advances. Documents accompanying your Card, which are incorporated by\nreference into this Agreement, disclose the APR for Purchases, Balance Transfers and Cash Advances in effect when your Account\nis opened.\nVariable APR for Purchases and Balance Transfers. If the APR for Purchases and Balance Transfers is a variable rate based on\nthe Prime Rate plus a margin, we will calculate the rate daily by adding the applicable margin for those Transactions to the Prime\nRate. (A \xe2\x80\x9cmargin\xe2\x80\x9d is the percentage we add to the Prime Rate to calculate the APR.) This APR may vary (increase and decrease),\nbut will not exceed 29.99% (corresponding Daily Periodic Rate of 0.08216%). Any increase or decrease in the Prime Rate will result\nin an increase or decrease in your Daily Periodic Rate and the APR, and as a result, the interest charge and the Minimum Payment\nDue will change and may result in a smaller part of your payment being applied to reduce principal. We determine the Prime Rate\ntwo business days prior to the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR for\nPurchases and Balance Transfers will be applied to your existing Account balance and to subsequent Transactions effective as of\nthe \xef\xac\x81rst day of the Billing Cycle in which we determine the interest rate. If The Wall Street Journal (WSJ) does not publish the prime\nrate, or if it changes the de\xef\xac\x81nition of Prime Rate, we may, at our sole discretion, substitute another index.\n(b) For existing Fixed Rate Secured Card, Mastercard and Visa customers. If your billing statement does not include a \xe2\x80\x98v\xe2\x80\x99 in\nthe Interest Charge Calculation section, your account carries a \xef\xac\x81xed rate. A Non-Variable Daily Periodic Interest Rate and\ncorresponding APR will apply to all Transactions. The Non-Variable Interest Rate in effect on your account is listed in this Interest\nCharge Calculation Section.\n(c) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and corresponding APR for\nPurchases, Balance Transfers and Cash Advances if you are in default of this Agreement, or if we, in our sole discretion and\nfrom time to time, decide to take such action.\n(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we may offer you an introductory or\npromotional APR for all or a part of your Transactions. For example, we may offer you a promotional APR to encourage speci\xef\xac\x81c\ntransactions, such as transferring balances from accounts you have with others, or an introductory APR for Purchases when\nyou open an Account. The period of time for which the introductory or promotional APR applies may be limited. Any introductory\nor promotional APR offer will be subject to the terms of the offer and this Agreement. If applicable, we will disclose information\n\n3\n\n\x0cregarding any introductory or promotional APRs and the period of time during which they are in effect in the document that\naccompanies your Card or in materials we send you about the offer after you obtain your Card. If (i) we receive a Minimum Payment\nDue after its Payment Due Date; (ii) your total outstanding balance exceeds your Account credit limit on the closing date of a Billing\nCycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used for payment on your Account has\nbeen returned to us unpaid for any reason, (B) we must return a check or other instrument because it is not signed or is otherwise\nincomplete, or (C) a Convenience Check used to access your Account is not honored for any reason, we may adjust the APR to the\nPurchase or Balance Transfer APR then in effect, as applicable.\n13. Balance Subject to Interest Charge and Interest Charges.\n(a) Interest Charge Calculation. We impose interest on your Account using the average daily balance method (including new\ntransactions). To calculate interest we \xef\xac\x81rst calculate a separate daily balance for each balance on your Account. (For example\ncurrent purchases, balance transfers, cash advances, and different promotional balances. Your balances are shown on your\nstatement.) To calculate the daily balance, we start with the balance at the end of the previous day, which includes any unpaid\ninterest charges on that balance. (This results in compounding of interest.) We add any new transactions, interest, or fees and\nsubtract any new credits or payments allocated to that balance, and make other adjustments.\nWe treat a daily balance less than zero as a balance of zero. We add a transaction to the daily balance as of the transaction date.\nWe add a transaction fee to the same balance as the transaction. We generally add other fees to the current purchase balance.\nFor each balance, we add up all the daily balances and divide by the number of days in the billing cycle. This gives us the\nAverage Daily Balance for that balance. To calculate the total interest for each balance, we then multiply the average daily\nbalance by its daily periodic rate and the number of days in the billing cycle. The daily periodic rate equals the APR divided by\n365 (366 if a leap year). You authorize us to round interest charges to the nearest cent.\nWe may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest\ncharges and related amounts.\n(b) Interest Charges. No interest charges (other than International Transaction Fees) will be imposed on Purchases if you pay in\nfull the New Balance shown on the Account Statement for your Current Billing Cycle by the Payment Due Date. If you have not\ndone so, an interest charge will accrue from the transaction date on Purchases at the applicable APR for Purchases until the date\npayment in full is posted to your Account.\nAn interest charge will be imposed on Balance Transfers and Cash Advances from the Transaction date and included in the\naverage daily balance of Balance Transfers and Cash Advances at the applicable APR for Balance Transfers and Cash Advances\nuntil the date payment in full is posted to your Account. There is no grace period or time period within which to pay and avoid an\ninterest charge on on Balance Transfers and Cash Advances.\nThe total interest charge for a Billing Cycle is the sum of the interest charges for Purchases, Balance Transfers and Cash\nAdvances. To compute the periodic rate portion of interest charges for your Current Billing Cycle, we multiply the average daily\nbalance of each type of your Transactions in the Current Billing Cycle by the applicable Daily Periodic Rates for that cycle. Fees\nfor Balance Transfers, Cash Advances, and International Transactions, if any, are added to and included in the total interest\ncharges for your Current Billing Cycle.\n14. Fees.\n\nBalance Transfer Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a balance transfer fee\nequal to the greater of $5 or 4% of the total dollar amount of the balance you are transferring from another account to your Account.\nAnnual Fee. Certain cards have an annual fee. If your Card has an annual fee, the amount of the annual fee is disclosed in the\napplication for your Account and also will be disclosed in the document that accompanies your Card. This fee is assessed for\nthe use of the Account and associated services, and will be identi\xef\xac\x81ed as a fee on your Account Statement in the \xef\xac\x81rst Billing Cycle\nafter you open your Account and annually thereafter.\nCash Advance Fee. We will assess an interest charge in the form of a Cash Advance fee equal to the greater of $10 or 5% of the\ntotal dollar amount advanced for each Cash Advance on your Account.\nLate Payment Fee. If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. The\nfee is $29, unless you incurred a late fee during any of the prior six billing cycles. If you did, the fee is $40. This fee will not\nexceed the amount permitted by law.\nInternational Transaction Fee. There is an interest charge in the form of a transaction fee equal to 3% of the U.S. dollar amount\nof each Foreign Transaction.\nExpedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of your Card is expedited.\n\nConvenience Check Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a convenience\ncheck fee equal to the greater of $5 or 4% of the total dollar amount of each convenience check used.\nWe may institute a standard charge or charges for the issuance, reissuance or use of the Card or for the reinstatement of any Card\nor Account privileges which have been suspended, as well as an annual fee and per item fee for each Transaction, and you agree\nto pay us such charges and fees.\n\n15. Foreign Currency Transactions. If a Transaction is made in a foreign currency, we and Mastercard or Visa, depending on\nwhich Card is used, will convert the Transaction into a U.S. dollar amount. Mastercard and Visa will act in accordance with their\noperating regulations or conversion procedures in effect at the time the Transaction is processed. Currently, their regulations and\nprocedures provide that the currency conversion rate used is either: (1) a wholesale market rate, or (2) a government-mandated\nrate in effect one day prior to the processing date. The currency conversion rate calculated in this manner that is in effect on the\nprocessing date may differ from the rate in effect on the transaction date or the posting date.\n4\n\n\x0cGENERAL PROVISIONS\n\n16. Accepting this Agreement. This Agreement will be effective on either the date you sign or otherwise submit an application\nfor the Account that we approve or the date you use, or someone you authorized uses, the Card or the Account, whichever is\nearlier. You agree that by using the Account or the Card, signing an Account application or other Account document or otherwise\naccepting the Account or the Card, you accept the terms and conditions of this Agreement.\n17. Promise to Pay. By using your Card or your Account, you promise to pay us for all Transactions made on your Account, as\nwell as any fees, interest charges or other charges. If this is a joint account, each of you, together and individually, is responsible\nfor all amounts owed, even if only one of you uses the Account.\n18. Your Responsibility. You are responsible for all Transactions and other amounts posted to your Account arising from the\nauthorized use of your Account or Card. If you have authorized another person to use your Account or Card in any way, we will\ndeem your authorization to include the authorization to make Transactions of any kind using your Account or Card and to incur\nrelated fees and charges. We will also deem your authorization to continue until you revoke it by preventing that person from\nusing your Account or Card. We are not responsible for controlling any person whom you have asked us to add to your Account\nor someone you let use your Account or Card. You should think carefully before allowing anyone to become an authorized\nuser on your Account because you are allowing that person to use the Account as you can. If you wish to remove that person\xe2\x80\x99s\nability to use your Account or Card, you must notify us in writing. This notice will not be effective until we receive and have had a\nreasonable opportunity to act on it.\nOUR RIGHTS AND HOW THEY AFFECT YOU\n\n19. Delays in Enforcement. We can delay enforcing or not enforce any of our rights under this Agreement without losing our right\nto enforce them in the future. For example, we may accept late payments or payments that are marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with\nother restrictive endorsements without losing any of our rights under this Agreement.\n20. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke your right to use your Account or\nCard, along with your right to make future Transactions, at any time and for any reason without notice to you. You or anyone you\nauthorized to use the Card or Account may terminate your Account and use of your Card at any time by calling us at 800-9723030, or writing to us at Fifth Third Bank, MD: 1MOC2G, 5050 Kingsley Drive, Cincinnati, Ohio 45227. Any request to terminate\nyour Account will be effective after we have had a reasonable opportunity to act on such request. The termination of this\nAgreement, whether initiated by us or you, will not affect any of your or our rights and obligations under this Agreement. If this\nAgreement is terminated, you must still repay any amounts you owe us, even if we allow a Transaction to be completed with your\nAccount or Card after this Agreement has been terminated. You agree to give to us or to destroy all of the Cards issued on your\nAccount when we ask you to or when this Agreement is terminated. If someone attempts to use a Card after this Agreement is\nterminated, the Card may be retained. A Card also may be retained when you try to use it when certain other events occur.\n21. Default. Subject to Applicable Law, your Account will be in default under this Agreement if any one of the following occurs:\n(a) you become generally unable to pay your debts, (b) you die or are declared legally incompetent, (c) you use a check or\ninstrument for payment that is dishonored, (d) you fail to pay the Minimum Payment Due on or before your Payment Due Date,\n(e) any other creditor tries by legal process to take money of yours in our possession, (f) a petition is \xef\xac\x81led or other proceeding is\ncommenced by or against you under the federal bankruptcy act or any other applicable federal or state insolvency laws, (g) you\nprovide us with any false or misleading information, (h) you breach any of your other obligations under this Agreement, (i) you\nexceed your Account credit limit, (j) you are in default of any other credit agreement you have with us or any of our af\xef\xac\x81liates, or (k)\nwe believe in good faith that you may not pay or perform your obligations under this Agreement. The payment of any fee charged\nby us will not cure the default that caused the fee.\n22. Our Additional Rights When You Are in Default. If your Account is in default under this Agreement, we may, subject to\nApplicable Law, (a) require you to pay any portion of your outstanding Account balance immediately, (b) allow you to repay your\nAccount subject to the terms and conditions of this Agreement, (c) immediately terminate your Account and cancel all Cards,\n(d) reduce your Account credit limit or otherwise limit your ability to make Transactions as discussed in this Agreement, (e)\ncommence a legal proceeding against you to collect all amounts owed in connection with this Agreement, or (f) increase the APR\nfor Purchases and Cash Advances. We also may charge you court costs and reasonable attorneys\xe2\x80\x99 fees that we actually incur, as\npermitted by Applicable Law, if your Account is sent for collection to an attorney who is not our salaried employee. We will not be\nobligated to honor any attempted use of your Card or your Account if your Account is in default, or we have decided to terminate\nyour Account or limit your ability to make Transactions as discussed in this Agreement. Except as otherwise provided for in this\nAgreement, interest charges will continue to accrue at the APR in effect at the time of default until your total Account balance,\nincluding such accrued interest charges, is paid in full. You agree that, subject to Applicable Law, if your Account is in default\nunder this Agreement, you will accept calls from us at your home and your place of business regarding collection of your Account.\nYou understand and agree that the calls to your home may be automatically dialed and a recorded message may be played. You\nagree such calls will not be considered \xe2\x80\x9cunsolicited\xe2\x80\x9d calls or telemarketing calls for purposes of state or federal law.\n23. Reevaluation of Financial Condition and Credit History. We may reevaluate your \xef\xac\x81nancial condition and investigate any\ninformation you provided on your Account application at any time. In the course of doing so, we may obtain a current credit report\nand ask you for additional information about your \xef\xac\x81nancial condition by completing a Personal Financial Statement or such other\nform that we request from time to time. You give us your permission to obtain any information about you that we believe would be\nbene\xef\xac\x81cial to facilitate our determination of your eligibility for the Account and the Card, including credit reports from consumer\nreporting agencies. We may, as a result of any such re-evaluation, (i) increase your credit line; (ii) decrease your credit line; or (iii)\ndeem your Account to be in default.\n5\n\n\x0cCOMMUNICATIONS WITH US\n\n24. Contact Us. Unless we tell you otherwise, you can notify us at Fifth Third Bank, Customer Service, MD: 1MOC2G, 5050\nKingsley Drive, Cincinnati, OH 45227, or call us at 800-972-3030. When writing, please include your name, address, home\ntelephone number and Account number.\n25. Contact with You. To the extent permitted by applicable law, you authorize us and our af\xef\xac\x81liates, agents, and contractors, and\nanyone to whom we may sell your Account, to contact you to service your account or for collection purposes.\n\xe2\x80\xa2 You agree that these contacts are not unsolicited for purposes of any state or federal law;\n\xe2\x80\xa2 To contact you in any way, including mail, email, calls, and texts, including on a mobile, wireless, or similar device, even if you\nare charged by your provider, and using automated telephone equipment or prerecorded messages;\n\xe2\x80\xa2 To contact you at any number that you have given us or any number we have for you in our records, including your cellular or\nother wireless device, even if that number is a wireless, cellular or mobile number; is converted to a mobile/wireless number;\nor connects to any type of mobile/ wireless device; and even if such telephone number is currently listed on a Do Not Call\nRegistry. You understand that communications may result in additional mobile, text message, data charges or other charges.\n\xe2\x80\xa2 To contact you at any email address you provide to us or any other person or company that provides any services in\nconnection with this Agreement.\n26. Monitoring and Recording. You authorize us to monitor and/or record your calls with us.\n\n27. Updated Contact Information. You agree to notify us within 15 days after changing your e-mail address, mailing address, or\nphone number.\n28. Military Lending Act Protections. Federal law provides important protections to members of the Armed Forces and their\ndependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces\nand his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to\nthe credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for speci\xef\xac\x81ed credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To\nreceive this disclosure by phone, please call 877-899-0815, option 4.\nARBITRATION AND JURY TRIAL WAIVER\n\nNOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to\narbitration in the case of a dispute.\nIf you were a Covered Borrower under the Military Lending Act Regulations with regard to any prior agreement, this\narbitration clause does not cover any claims related to that prior agreement.\n\n29. Claim. Any claim, dispute or controversy between you and us arising from or relating to this Agreement, any prior agreement\nyou may have had with us or the relationships resulting from the Agreement or any prior agreement, including the validity,\nenforceability or scope of this provision, the Agreement or any prior agreement. Claim includes claims of every kind and nature,\nincluding but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract,\ntort, fraud and other intentional torts, statute, common law and equity. The term Claim is to be given the broadest possible\nmeaning and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates\nto (a) the Account created by the Agreement or any prior agreement or any balances on the Account, (b) the Card, (c) the EFT\nservices or Ready Reserve Overdraft Protection feature, (d) advertisements, promotions or oral or written statements related to\nthe Card, the Account or the terms of \xef\xac\x81nancing, and (e) your use of the Card and the Account.\nIf you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. We cannot elect to arbitrate a Claim with\na Covered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead of\nlitigated in court under the circumstances and procedures set forth below. If arbitration is elected, any Claim will be resolved\npursuant to this provision and the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) rules and procedures (\xe2\x80\x9cRules\xe2\x80\x9d) in effect at the\ntime the Claim is \xef\xac\x81led. (If for any reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another\nnationally recognized arbitration organization utilizing similar rules and procedures will be substituted by us.)\nWith respect to Claims covered by this provision, if you have asserted a Claim in a lawsuit in court you may elect arbitration with\nrespect to any Claim subsequently asserted in that lawsuit by any other party or parties. If we have asserted a Claim in a lawsuit\nin court, we may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other party or parties,\nonly if no other party is a Covered Borrower.\nIF ARBITRATION IS CHOSEN WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE\nTHAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY\nEXCEPT AS PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A\nREPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.\nEXCEPT AS SET FORTH BELOW, THE ARBITRATOR\xe2\x80\x99S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS\nTHAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.\nThe AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by visiting the AAA\xe2\x80\x99s Web site at www.adr.\norg. All Claims must be \xef\xac\x81led at any AAA of\xef\xac\x81ce.\nThere will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration hearing that you attend will take\nplace in the federal judicial district in which you reside. At your written request, we will temporarily advance up to $500 towards\nthe \xef\xac\x81ling, administrative and/or hearing fees for any Claim that you may \xef\xac\x81le against us after you have paid an amount equivalent\nto the fee, if any, for \xef\xac\x81ling such a Claim in state or federal court (whichever is less) in the judicial district in which you reside. At\n6\n\n\x0cthe conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the \xef\xac\x81ling, administrative\nand/or hearing fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will bear the expense\nof that party\xe2\x80\x99s attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, regardless of which party prevails in the arbitration.\nThis provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration\nAct, 9 U. S. C. \xc2\xa7\xc2\xa7 1 et seq., as amended (\xe2\x80\x9cFAA\xe2\x80\x9d). The arbitrator will apply applicable substantive law consistent with the FAA\nand applicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered\nby the arbitrator may be entered in any court having jurisdiction. The arbitrator\xe2\x80\x99s decision will be \xef\xac\x81nal and binding, except for\nany right of appeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal\nthe award to a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award\nrequested by the appealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne\nby the appealing party regardless of the outcome of the appeal.\nAs solely used in this provision, the terms we and us will for all purposes mean Fifth Third Bank, National Association, all of its\nparents, wholly- or majority-owned subsidiaries, af\xef\xac\x81liates, predecessors, successors and assigns, and all of their independent\ncontractors, agents, employees, directors and representatives.\nThis provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in\nconnection with this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or statute\nconsistent with the FAA, it will not invalidate the remaining portions of this arbitration provision or the Agreement. In the event of a\ncon\xef\xac\x82ict or inconsistency between the AAA Rules and this arbitration provision, this provision will govern.\n30. Changes to this Agreement. Subject to Applicable Law, we can change this Agreement at any time, regardless of whether\nyou have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of interest\ncharge, increasing or adding fees or charges (including annual fees), changing the method of computing balances subject to\ninterest charge, changing your Account credit limit, changing the date upon which interest charges begin to accrue, changing\nthe Minimum Payment Due or limiting the number or amount of Transactions on your Account). Any such changes will generally\nbe effective immediately unless we are required by Applicable Law to provide you with advance written notice of the proposed\nchanges. If this is the case, those changes will be effective immediately following the effective date stated in the notice. Subject\nto Applicable Law, any such changes will apply to your outstanding Account balance on the effective date of the change\nand to any future balances created after that date. If we give you the right to reject a change (whether because it is required\nby Applicable Law or otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then use your\nAccount after the date stated in the notice, you will be deemed to accept all changes in the notice and to accept and con\xef\xac\x81rm\nall terms of your Agreement and all changes in prior notices we have sent you regardless of whether you have access to your\nAccount. If you reject a change that we make, we will close your Account. No change to any term of this Agreement will affect\nyour obligation to pay all amounts you owe under this Agreement.\n31. Waiver of Rights. Except as may be prohibited by Applicable Law, you agree to waive any right you may have for us\nto act promptly in bringing any action(s) against you (known as diligence); to demand payments of amounts due (known as\npresentment); to obtain an of\xef\xac\x81cial certi\xef\xac\x81cation of non-payment (known as protest); and to give notice that amounts due will not be\npaid (known as notice of dishonor or notice of default and non-payment).\n32. Change of Address. We will rely on the address we have for you in our records for any Account communications we send\nto you unless and until either you or the U.S. Postal Service noti\xef\xac\x81es us of a change of address and we have had a reasonable\nopportunity to act on such notice. If your Account is a joint Account, each of you appoints the other as your agent to designate the\naddress to which any and all Account communications, including the Account Statement, may be sent to you.\n33. Correspondence. To the extent permitted by Applicable Law, any communication you send to us will not be effective until we\nreceive it and have had a reasonable opportunity to act on it. Any communication we send to you will, however, be effective and\ndeemed delivered when mailed to you at your address as it appears on our records.\n34. Privacy Policy. You authorize us to share information about you and your Account as permitted by law. See our Privacy Policy\nfor details about our information sharing practices.\n35. Assignment. You may not sell, assign or transfer your Account or Card or any of your rights and obligations under this\nAgreement. We may, however, sell, assign or transfer your Account, or any balance due thereunder, and our rights and\nobligations under this Agreement to another entity without your consent and without prior notice. That entity will take our place in\nthis Agreement.\n36. Severability. If any provision of this Agreement is deemed to be void or unenforceable by a court of competent jurisdiction,\nor any governmental agency, that provision will continue to be enforceable to the extent permitted by that court or agency, and\nthe remainder of that provision will no longer be considered as part of this Agreement. All other provisions of this Agreement will,\nhowever, remain in full force and effect.\n37. Governing Law. This Agreement is entered into between you and us in the State of Ohio, and your Account and this\nAgreement, and any claim, dispute or controversy arising from or relating to your Account or this Agreement, whether based in\ncontract, tort, fraud or otherwise and regardless of the place where you live, is governed by, and construed in accordance with,\nthe laws of the State of Ohio, without regard to Ohio\xe2\x80\x99s con\xef\xac\x82ict of laws principles, and applicable federal laws and regulations.\nThe legality, enforceability and interpretation of this Agreement and the amounts contracted for under this Agreement also are\ngoverned by Ohio law and applicable provisions of federal law, and all amounts granted under this Agreement are extended from\nthe State of Ohio.\n38. Entire Agreement. You acknowledge that this Agreement, as amended from time to time, and the documents accompanying\nyour Card that apply to your Account, which are incorporated by reference into this Agreement, make up the entire agreement\nbetween you and us and supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral\ncommunications and understandings between you and us concerning the Account and the Card. Neither you nor we intend\n7\n\n\x0cthat anything in this Agreement should result in the assessment of fees or charges in excess of those permitted by Applicable\nLaw. If any fee or charge assessed under this Agreement is \xef\xac\x81nally determined to be in excess of that permitted by Applicable\nLaw, the excess amount will be applied to reduce the outstanding balance in your Account or, if there is no outstanding balance,\nwill be refunded to you. You agree that any documentation provided to you that indicates that a Transaction was made shall be\nadmissible as evidence of such Transaction and shall be proof that such transaction or transfer was made.\n39. Questions. If you have any questions about this Agreement or your Card, please contact us at 800-972-3030.\n\n40. Section Headings. The Section headings used in this Agreement are only meant to organize this Agreement, and do not in\nany way limit or de\xef\xac\x81ne your or our rights or obligations hereunder.\nREADY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND TRANSFER AND ELECTRONIC BANKING SERVICES\n\n41. Ready Reserve Overdraft Protection. You may set up this Account to cover overdrafts on your checking Account. If you do,\nthen the terms of this Agreement and the Deposit Account Rules & Regulations will apply. For purposes of this Agreement, Ready\nReserve Overdraft Protection transactions will be treated as Cash Advances, subject to the Cash Advance APR. If you enroll in\nReady Reserve Overdraft Protection, you may use your credit card to withdraw from your checking account at an ATM by entering\nyour PIN and selecting withdraw from checking when prompted. There will be no fee for this service if you have suf\xef\xac\x81cient funds in\nyour checking account to cover the amount of the transaction.\n42. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking Services. If you use your Card as an ATM card,\nthe terms of this Agreement and your checking account agreement titled, Deposit Account Rules & Regulations, will apply.\n\n43. Electronic Access. Smart phones, tablets, and other electronic devices can store your Card (such as through a mobile\nwallet). This means they can be used to get credit under this Agreement. Any such transaction is covered by this Agreement.\nSecure your mobile device against unauthorized access. Anyone who can access your Card using your device can make charges\nto your Account. Apps that use your Card to get credit may have separate terms of use. We are not responsible if you violate\nthose terms or for any consequences from violating those terms.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS DOCUMENT FOR FUTURE USE\n\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If You Find a Mistake on Your Statement.\n\nIf you think there is an error on your statement, write to us at: Fifth Third Bank, Attn: Disputes Resolution Department\nMD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, OH 45227.\nYou may also contact us at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) and Saturday 8:30 AM to 5 PM (EST).\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account number.\n\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2 Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it\nis a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 Business Days before an automated payment is scheduled, if you want to stop payment on the amount you think\nis wrong.\nYou may notify us of any potential errors in writing or by calling us. You may still be required to pay the amount(s) in question if the\nBank determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible\nat 800-782-0279\nWhat Will Happen After We Receive Your Letter\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we \xef\xac\x81nish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\n8\n\n\x0cWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse\nto pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the \xef\xac\x81rst $50 of the amount you question, even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Card Purchase\nIf you are dissatis\xef\xac\x81ed with the goods or services that you have purchased with your Card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this\nright, all of the following must be true:\n1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the\nPurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM do not qualify.\n3. You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and you are still dissatis\xef\xac\x81ed with the Purchase, contact us in writing at: Fifth Third Bank, Attn:\nDisputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, Ohio 45227.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we \xef\xac\x81nish our investigation, we will\ntell you our decision. At that point, if we think you owe us an amount and you do not pay, we may report you as delinquent.\nFifth Third Bank, National Association. Member FDIC.\n\nF03-S926-3 -0220 OL\n9\n\n\x0cSecured Card Fees and Credit Disclosures\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\n23.99%.\n\nAPR for Cash Advances\n\n24.99%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each Billing Cycle. We will not charge you\ninterest on Purchases if you pay your entire balance by the due date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fees\n\xe2\x80\xa2 Annual Fee\n\n$24.00\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 4% of the amount of each transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 International Transaction\n\n3% of each credit card transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate.\nVariable APRs for Purchases, Balance Transfers and Cash Advances: The Purchase and Balance Transfer APR is calculated\nusing the Prime Rate (\xe2\x80\x9cPrime\xe2\x80\x9d) plus a margin (percentage we add to Prime) of 20.74%. The Cash Advance APR is calculated using\nPrime plus a margin of 21.74%.\nVariable Based on Prime: The Prime Rate means the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the online version\nof The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your Billing Cycle.\nChanges to the Daily Periodic Rate and corresponding APR for Purchases, Balance Transfers and Cash Advances will be applied\nto your existing Account balance and to subsequent transactions effective the \xef\xac\x81rst day of the Billing Cycle in which we determine\nthe interest rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily Periodic Rate and\nthe APR, and as a result, the interest charge and the Minimum Payment Due will change and may result in a smaller part of your\npayment being applied to reduce principal.\nInformation is accurate as of 01/01/2021 and may have changed after that date. To obtain more recent information, please call us\nat 800-972-3030.\n\n\x0cEmployee Platinum Rewards Card Fees and Credit Disclosures\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for Purchases\nand Balance Transfers\n\n5.24%. This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n18.24%. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 23 days after the close of each Billing Cycle. We will not charge you\ninterest on Purchases if you pay your entire balance by the due date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.50.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fees\n\xe2\x80\xa2 Annual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nEither $5 or 4% of the amount of each transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 5% of the amount of each Cash Advance, whichever is greater.\n\n\xe2\x80\xa2 Convenience Check\n\nEither $5 or 4% of the amount of each check, whichever is greater.\n\n\xe2\x80\xa2 International Transaction\n\n3% of each credit card transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $40.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nPrime Rate: Variable APRs are based on the 3.25% Prime Rate.\nVariable APRs for Purchases, Balance Transfers and Cash Advances: The Purchase and Balance Transfer APR is calculated\nusing the Prime Rate (\xe2\x80\x9cPrime\xe2\x80\x9d) plus a margin (percentage we add to Prime) of 1.99%. The Cash Advance APR is calculated\nusing Prime plus a margin of 14.99%.\nVariable Based on Prime: The Prime Rate means the Prime Rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the online version\nof The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your Billing Cycle.\nChanges to the Daily Periodic Rate and corresponding APR for Purchases, Balance Transfers and Cash Advances will be\napplied to your existing Account balance and to subsequent transactions effective the \xef\xac\x81rst day of the Billing Cycle in which\nwe determine the interest rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily\nPeriodic Rate and the APR, and as a result, the interest charge and the Minimum Payment Due will change and may result in a\nsmaller part of your payment being applied to reduce principal.\nInformation is accurate as of 01/01/2021 and may have changed after that date. To obtain more recent information, please call us\nat 800-972-3030.\n\n\x0c'