b'IMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\nThis document explains the rules which govern your State Credit Union Visa Signature credit card account. Please read carefully and keep in\na safe and convenient place.\n\n1. Interest will not be imposed on credit purchases of goods and services if you pay the entire new balance shown on the previous monthly\nstatement within 25 days from the closing date of the statement.\n\n2. There is no grace period on cash advances made on your card. Interest will be charged from the date of the cash advance. If your\nbalance is paid prior to the due date, no additional interest will be accrued in the current billing cycle. (See Balance Computation Method\nbelow.)\n\n3. Balance Computation method for interest: We calculate the interest on your account by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning balance of your account each day, add any new\npurchases and cash advances, unpaid interest, current late payment fees, and other applicable fees, and subtract any payments or\ncredits. Then we add up all the daily balances for the billing cycle and divide by the number of days in the billing cycle. This gives us\nthe average daily balance.\n\n4. Partial Grace: Partial Grace adds an additional grace period to portions of an unpaid balance in the billing period where an account\nmoves from paid-in full to revolving status. In the transition-to-revolving billing period, balances equal to the amount of any partial\npayment must not be included in the Average Daily Balance subject to interest. The month an account becomes revolving is the first\nmonth where the payment made by the payoff exception date (most frequently cycle date) is less than the statement balance owed.\nPartial Grace only applies to transactions that are subject to a grace period.\n\n5. The MINIMUM monthly payment is 2.5% of the new balance or $25.00, whichever is greater.\n6. Cardholder payments made in excess of the minimum payment due will be applied to the highest APR balance first and then, in order,\ndown to the lowest APR balance.\n\n7. Over-limit conditions must be cleared immediately because your account will not be allowed future approvals until your balance is below\nthe approved limit.\n\n8. A fee (see Fee Schedule) will be charged on any check issued for payment on your credit card if the check is dishonored and returned.\nThis fee will be added to your account balance.\n\n9. With your SCU Visa Signature\xc2\xae card, you may obtain cash advances at any financial institution displaying the Visa logo. Cash advances\nare also available at many ATMs.\n\n10. Your Visa Signature card is issued for a 36-month period, but it can be cancelled by State Credit Union at any time if used improperly or\npayments are not made. We will notify you in writing if your account is closed due to inactivity for 18 or more months.\n\n11. Credit Life Insurance is available at the member\xe2\x80\x99s option. Credit Disability Insurance is also available. The charges will be added to your\naccount balance each month.\n\n12. You agree to notify us immediately at our credit card processor of the loss, theft, or unauthorized use of your credit card at 1866-583-4060 or 1-727-299-2449 if outside of the U. S. You may be liable for the unauthorized use of your credit card. You will not be\nliable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. In any case, your liability will\nnot exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made with your credit\ncard. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the\nLost/Stolen card, you should destroy the card and notify the Credit Union. If you use the card and it is recovered by an authorized Visa\nmerchant (because it appears on the Revoked Card List or the Visa Center tells the merchant to pick up the card), then you will be liable\nfor any fees, costs or merchant awards resulting from your unauthorized use of the card.\n\n13. There will be a replacement fee (see Fee Schedule) for a mutilated card or if the card is more than ninety (90) days from the scheduled\nreissue. Expired cards will be reissued without cost to you.\n\n14. If you ask for a copy of a document, such as a convenience check or billing statement, a per-hour charge (see Fee Schedule) may be\nimposed for the time that is required to research and locate the document. In addition, a copying fee (see Fee Schedule) will be charged.\nNo charge will be imposed in connection with any billing error.\n\n1\n\n\x0cIMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\n15. In the event, that you receive convenience checks that access your credit card account. These checks are good for only 90 days. Please\nnote: Convenience Checks will be treated as Cash Advances. Interest is charged on cash advances beginning on the transaction\ndate. If you are over your credit limit, are in default, your account privileges have been cancelled, or your card expired, we may decline\nto honor a convenience check and a fee (see Fee Schedule) will be added to your account balance. Convenience checks may be used\nonly by the person whose name is printed on them. You may not use convenience checks to pay any amount which you owe SCU. Paid\nconvenience checks will not be returned to you. There is a fee (see Fee Schedule) when you stop payment on a convenience check. It\nis the Credit Union\xe2\x80\x99s sole discretion to issue convenience checks to any member.\n\n16. If you incur a charge (a Purchase or Cash Advance) in a foreign currency, the charge will be converted into a U.S. dollar amount in\naccordance with the operating regulations of Visa international in effect at the time that the transaction is processed. Currently, these\nRegulations provide that the currency conversion rate to be used is either: (a) a wholesale market rate; or (b) a government-mandated\nrate in effect one day prior to the processing date, increased by one percent in each case. Visa retains this one percent as compensation\nfor performing the currency conversion service. The Credit Union reserves the right to charge a fee for this service with appropriate legal\nnotice. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the\nposting date.\n\n17. Your Visa Signature card may not be used for any illegal transaction, such as unlawful gambling.\n18. Variable Rate Information: Your APR for purchase, cash advances and balance transfer transactions may vary. Your Credit Card has a\nvariable rate feature meaning the Annual Percentage Rate (corresponding to the periodic rate) and the term of your Visa Signature Credit\nCard may change due to interest rate fluctuations. The rate is determined by adding a margin of 4.0% to the prevailing U.S. Prime Rate.\nThe Prime Rate, used to determine your APR, is the rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of the Wall Street Journal. The APR\nwill change, if needed, based on this rate calculation method at your billing cycle date. We reserve the right NOT to change the variable\nrate if Prime changes.\n\n19. The Credit Union may change the terms of this Agreement, including the Annual Percentage Rate margin, with 45 days written notice.\nExcept where limited by applicable law, the new terms, including but not limited to, the way the Credit Union calculates interest, and the\nminimum payment due, will apply to both new purchases and cash advances and to the existing outstanding balance of your account as\nof the day of the change. In accordance with applicable law, the Credit Union will notify you of any increased charge. However, if the\nAPR margin changes, the new APR will apply only to new purchases and cash advances. If you receive notification of an increase in the\nAPR or other \xe2\x80\x9csignificant change\xe2\x80\x9d in terms, you will have the right to cancel before the effective date of the increase or change in order\nfor your account to remain under the same terms and conditions. Your minimum payment requirement would remain the same.\n\n20. The use of your card confirms agreement to the Visa terms and conditions as well as the terms outlined herein. Complete disclosures,\nterms and conditions will be provided to you. Please read all terms and conditions prior to use of your card. If you do not agree with the\nterms and conditions provided, contact the SCU Visa Department in writing (mail or fax) immediately to cancel the account.\n\n21. BILLING RIGHTS\nIn Case of Errors or Inquiries about Your Bill:\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at\nthe address indicated below as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which\nthe error or problem appeared.\nYou can telephone us but doing so will not preserve your rights.\nIn your letter give us the following information:\n\n* Your name and account number.\n* The dollar amount of the suspected error.\n* Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are\nunsure about.\nYou do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are\nnot in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you\nquestion.\nIf you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this\n\n2\n\n\x0cIMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\nprotection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of\nyour mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases\nare covered regardless of amount or location of purchase.)\nSend Inquiries to:\nS.C. State Federal Credit Union\nVisa Department\nP.O. Box 726\nColumbia, S.C. 29202\n\n22. If your account goes past due, no further approvals or advances will be made until your account is current. A chronic past-due condition\nwill cause your credit card to be revoked. A late fee (see Fee Schedule) will be assessed if the account becomes 15 days delinquent\nfrom the date of the due date. Payments must be received by 5:00 p.m. EST in order to insure credit for that day.\n\n23. If your account goes past due sixty (60) days, the card may be cancelled. However, the Credit Union may reinstate your card, provided\nyour account is brought up to date and is given reasonable assurance it will not become past due again. Any future recurrence will cause\nan automatic cancellation. The Credit Union may demand payment in full upon written notice to the cardholder, on any delinquent or\ncancelled account.\n\n24. Your monthly statement is your bill. You are required to immediately notify the Credit Union in writing if your name and/or home address\nchanges. Your due date will remain the same each month.\n\n25. Your performance under this agreement may be reported to Credit Reporting Agencies. Protect your credit rating by paying promptly.\n26. You may close your account at any time by notifying us in writing and returning your card or cards, cut in half. You will remain responsible\nfor payment of the amount owed to the Credit Union according to the terms and conditions in effect at the time you close your account.\n\n27. Keep your copy of transaction slips. Checking your copies against your monthly statement can help you guard against incorrect charges\nand fraudulent vendors.\n\n28. Be careful about placing orders by telephone, mail or internet. Satisfy yourself that the company is a reputable firm.\n29. Do not carry cards that are used infrequently, but store in a secure manner where no one else has access to them.\n30. Sign all new cards immediately after receiving them.\n31. Insist that any duplicate transaction slips made through error be destroyed. It is also a good idea to have any carbon papers destroyed\nas well.\n\n32. The Credit Union currently offers a Rewards Program. SCU reserves the right to make changes in the Rewards program and/or\nredemptions without notice; and may cancel the program with 15 days\xe2\x80\x99 notice, after which the Credit Union shall have no obligations\nunder the program, or the rewards cancelled.\n\n33. SKIP PAYMENT OPTION: At our discretion, we may offer you the opportunity to not make ("skip") a minimum payment during certain\ndesignated billing cycles ("skip payment period"). If you do not make your minimum payments as provided in this Agreement, during\nsuch designated billing cycles, you understand that we will continue to apply finance charges to your account. Beginning with the billing\ncycle following an allowed skip payment period, all other provisions of this Agreement will apply. We have no obligation to accept your\napplication for any skip payment period offered, and you authorize us to investigate your creditworthiness including obtaining consumer\ncredit reports. We may charge you an application processing fee of up to $20.00, which will be reflected on your next statement should\nyou choose not to pay the fee outright, for each skip payment period that we may offer to cover our costs of investigating your\nqualifications for this extension including but not limited to the costs associated with researching your creditworthiness.\n\n3\n\n\x0cIMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\nVisa Terms & Conditions\nThe person (\xe2\x80\x9cCardholder\xe2\x80\x9d) whose name is embossed on the face of the Visa Signature card (\xe2\x80\x9cCard\xe2\x80\x9d) applied for and was issued, and each\nCardholder, in the event more than one Card is enclosed herewith bearing the same account number, by signing or using said Card, receipt of\nwhich is acknowledged, agrees with the issuer of the Card, SC State Federal Credit Union (SCU) as follows:\n\n1. Goods and services (\xe2\x80\x9cCredit Purchases\xe2\x80\x9d) may be purchased or leased by means of such card by Cardholder from any retail business\nestablishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the execution of a sales slip evidencing such Credit Purchase and bearing the account\nnumber of Cardholder embossed on the face of such Card. Additionally, Visa Cash Advance (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of\nsuch Card (a) upon execution of a written request of Cardholder in a form furnished to him/her from any bank that is a member, alone or\nin association with others, of Visa Inc. and (b) upon execution of a written separate agreement with issuer for a Visa overdraft financing\nagreement, if offered by issuer. Up to 20 authorizations may be granted per day.\n\n2. Cardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else\nusing such Card unless the use of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent\nauthority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable\nand agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card for Cardholder\xe2\x80\x99s account number that\nhas been issued to another person by reason of such person being a member of Cardholder\xe2\x80\x99s family, or otherwise issued upon\nCardholder\xe2\x80\x99s request (all such Cards issued for the Cardholder\xe2\x80\x99s account hereinafter collectively called \xe2\x80\x9cRelated Cards\xe2\x80\x9d). Further, if you\nauthorize us to honor any Purchase or Cash Advance you make by telephone, mail, or internet on this account, you agree that a signature\nis not necessary as identification in such cases.\n\n3. Each Card is the property of issuer, is not transferrable and must be surrendered upon demand. It can be cancelled as well as repossessed\nby Issuer or its designee, and the privileges thereof revoked at any time without prior notice.\n\n4. Cardholder shall not use Card or permit the use of Related Cards to obtain Credit Purchases or Loans which will increase Cardholder\xe2\x80\x99s\nVisa indebtedness to Issuer to an amount in excess of the limit established by Issuer.\n\n5. All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing Bank, respectively, and Issuer shall not be\nresponsible for refusal by any Seller or Cash Advancing Bank to honor the Card or any Related Card. Any refund, adjustment or credit\nallowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder\xe2\x80\x99s account\nstatement with Issuer.\n\n6. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Visa Card\nand Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Cards\nunless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by\nremitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder\xe2\x80\x99s option, an\nInstallment equal to at least the required minimum payment stated in Paragraph 4 of the Disclosures.\n\n7. Interest on Loans and Credit Purchases will be charged in accordance with the interest calculation method referred to in Paragraph 3 of\nthe Disclosures. The rate of interest shall be established by Issuer.\n\n8. If the Card is cancelled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or\ninsolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his/her property, Issuer may elect to declare\nall amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has other loans\nfrom Issuer or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder\xe2\x80\x99s obligation\nunder this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder\xe2\x80\x99s primary dwelling will not secure\nCardholder\xe2\x80\x99s obligations under this agreement even if Issuer has or later acquires a mortgage on the dwelling. Cardholder agrees to pay\nall costs incurred by Issuer in collecting Cardholder\xe2\x80\x99s indebtedness or in enforcing this agreement, including attorney\xe2\x80\x99s fees of 10% of the\nunpaid balance or such greater amount as may be reasonable and just and also those costs, expenses and attorney\xe2\x80\x99s fees incurred in\nappellate, bankruptcy and post judgments proceedings except to the extent such costs, fees or expenses are prohibited by law.\n\n9. The validity, construction and enforcement of this agreement and all matters arising out of the issuance and use of the Card shall be\ngoverned by Federal law.\n\n4\n\n\x0cIMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\nIF YOU HAVE ANY QUESTIONS\nDuring business hours, you may call SCU at 1-800-868-8740, extension 8401.\nSC State Federal Credit Union\nPO Box 726\nColumbia, SC 29202\nFax: 803-978-1037\nIf you have any questions concerning your account after hours or on the weekend, you may contact, SCU by calling\nthe following toll-free number, 1-866-583-4060.\n\nAt all times, if your card is lost or stolen, please contact the following toll-free number: 1-866-583-4060 or 1727-299-2449 outside the US.\nPAYMENT ADDRESS\nSC State Federal Credit Union\nPO Box 71050\nCharlotte, NC 28272-1050\nPLEASE CONTINUE TO NEXT PAGE FOR COST INFORMATION.\n\n5\n\n\x0cIMPORTANT VISA SIGNATURE AGREEMENT & DISCLOSURES\n\nVisa Signature Credit Card Cost Information\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\n\nSignature: 7.25%\nThis APR will vary with the market based on the Prime Rate. *\nSignature: 7.25%\nThis APR will vary with the market based on the Prime Rate. *\nSignature: 7.25%\nThis APR will vary with the market based on the Prime Rate. *\n\nPenalty APR and When It Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances, including convenience checks, on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at: http://consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Verified by Visa Password Reset\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Lost/Damaged Card Replacement\n\xe2\x80\xa2 Stop Payment on Convenience\nCheck\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\nNone\nNone\n1 free per year; $5 each additional\n$5 per statement\n$10 per card\n$25 per check\n\nUp to $25\nNone; Over-the-Credit Limit transactions not allowed\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases or\nadvances).\xe2\x80\x9d Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\n*Variable Rate Information: Your APR may vary. Variable Rate Feature: The Visa Signature Credit Cards have a variable rate\nfeature meaning that the Annual Percentage Rate (corresponding to the periodic rate) and the term of your Visa loan may change\ndue to interest rate fluctuations in the Prime Rate. The Annual Percentage Rate (APR) will be the Prime Rate, as reported in the\nWall Street Journal, plus a margin of 4%, and includes only interest and no other costs.\nThe credit union will acquire a security interest in the property purchased with your credit card; and collateral securing other loans\nwith us may also secure this account. Also, you are giving us a security interest in your shares and other deposits in the credit\nunion.\nThe information about the costs of the card described in this application is accurate as of March 19, 2020. This information may\nhave changed after that date. To find out what may have changed, call us at 1-800-868-8740, write us at: State Credit Union,\nPO Box 726, Columbia, SC 29202, or visit www.scscu.com. Please refer to the Truth & Savings Rate & Fee Schedule for other\nfees that may apply.\nRev 7/2021\n\n6\n\n\x0c'


b'IMPORTANT VISA AGREEMENT & DISCLOSURES\n\nThis document explains the rules which govern your State Credit Union Visa credit card account. Please read carefully and keep in a safe and\nconvenient place.\n\n1. Interest will not be imposed on credit purchases of goods and services if you pay the entire new balance shown on the previous monthly\nstatement within 25 days from the closing date of the statement.\n\n2. There is no grace period on cash advances made on your card. Interest will be charged from the date of the cash advance. If your\nbalance is paid prior to the due date, no additional interest will be accrued in the current billing cycle. (See Balance Computation Method\nbelow.)\n\n3. Balance Computation method for interest: We calculate the interest on your account by applying the periodic rate to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the beginning balance of your account each day, add any new\npurchases and cash advances, unpaid interest, current late payment fees, and other applicable fees, and subtract any payments or\ncredits. Then we add up all the daily balances for the billing cycle and divide by the number of days in the billing cycle. This gives us\nthe average daily balance.\n\n4. Partial Grace: Partial Grace adds an additional grace period to portions of an unpaid balance in the billing period where an account\nmoves from paid-in full to revolving status. In the transition-to-revolving billing period, balances equal to the amount of any partial\npayment must not be included in the Average Daily Balance subject to interest. The month an account becomes revolving is the first\nmonth where the payment made by the payoff exception date (most frequently cycle date) is less than the statement balance owed.\nPartial Grace only applies to transactions that are subject to a grace period.\n\n5. The MINIMUM monthly payment is 2.5% of the new balance or $25.00, whichever is greater.\n6. Cardholder payments made in excess of the minimum payment due will be applied to the highest APR balance first and then, in order,\ndown to the lowest APR balance.\n\n7. Over-limit conditions must be cleared immediately because your account will not be allowed future approvals until your balance is below\nthe approved limit.\n\n8. A fee (see Fee Schedule) will be charged on any check issued for payment on your credit card if the check is dishonored and\nreturned. This fee will be added to your account balance.\n\n9. With your SCU Visa\xc2\xae card, you may obtain cash advances at any financial institution displaying the Visa logo. Cash advances are\nalso available at many ATMs.\n\n10. Your Visa card is issued for a 36-month period, but it can be cancelled by State Credit Union at any time if used improperly or\npayments are not made. We will notify you in writing if your account is closed due to inactivity for 18 or more months.\n\n11. Credit Life Insurance is available at the member\xe2\x80\x99s option. Credit Disability Insurance is also available. The charges will be added to your\naccount balance each month.\n\n12. You agree to notify us immediately at our credit card processor of the loss, theft, or unauthorized use of your credit card at 1866-583-4051 or 1-727-299-2449 if outside of the U. S. You may be liable for the unauthorized use of your credit card. You will not\nbe liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. In any case, your liability\nwill not exceed $50 for unauthorized cash advances at ATMs. You will have no liability for unauthorized purchases made with your credit\ncard. If you report your card Lost/Stolen, it is your responsibility to destroy any remaining cards with that number. If you find the\nLost/Stolen card, you should destroy the card and notify the Credit Union or PSCU. If you use the card and it is recovered by an\nauthorized Visa merchant (because it appears on the Revoked Card List or the Visa Center tells the merchant to pick up the card), then\nyou will be liable for any fees, costs or merchant awards resulting from your unauthorized use of the card.\n\n13. There will be a replacement fee (see Fee Schedule) for a mutilated card or if the card is more than ninety (90) days from the scheduled\nreissue. Expired cards will be reissued without cost to you.\n\n14. If you ask for a copy of a document, such as a convenience check or billing statement, a per-hour charge (see Fee Schedule) may be\nimposed for the time that is required to research and locate the document. In addition, a copying fee (see Fee Schedule) will be charged.\nNo charge will be imposed in connection with any billing error.\n\n15. In the event, that you receive convenience checks that access your credit card account. These checks are good for only 90 days. Please\nnote: Convenience Checks will be treated as Cash Advances. Interest is charged on cash advances beginning on the transaction\ndate. If you are over your credit limit, are in default, your account privileges have been cancelled, or your card expired, we may decline\nto honor a convenience check and a fee (see Fee Schedule) will be added to your account balance. Convenience checks may be used\nonly by the person whose name is printed on them. You may not use convenience checks to pay any amount which you owe SCU. Paid\n\n1\n\n\x0cIMPORTANT VISA AGREEMENT & DISCLOSURES\n\nconvenience checks will not be returned to you. There is a fee (see Fee Schedule) when you stop payment on a convenience check. It\nis the Credit Union\xe2\x80\x99s sole discretion to issue convenience checks to any member.\n\n16. If you incur a charge (a Purchase or Cash Advance) in a foreign currency, the charge will be converted into a U.S. dollar amount in\naccordance with the operating regulations of Visa international in effect at the time that the transaction is processed. Currently, these\nRegulations provide that the currency conversion rate to be used is either: (a) a wholesale market rate; or (b) a government-mandated\nrate in effect one day prior to the processing date, increased by one percent in each case. Visa retains this one percent as compensation\nfor performing the currency conversion service. The Credit Union reserves the right to charge a fee for this service with appropriate\nlegal notice. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or\nthe posting date.\n\n17. Your Visa card may not be used for any illegal transaction, such as unlawful gambling.\n18. The Credit Union may change the terms of this Agreement, including the Annual Percentage Rate, with 45 days written notice. Except\nwhere limited by applicable law, the new terms, including but not limited to, the way the Credit Union calculates interest, and the minimum\npayment due, will apply to both new purchases and cash advances and to the existing outstanding balance of your account as of the\nday of the change. In accordance with applicable law, the Credit Union will notify you of any increased charge. However, if the APR\nchanges, the new APR will apply only to new purchases and cash advances. If you receive notification of an increase in the APR or\nother \xe2\x80\x9csignificant change\xe2\x80\x9d in terms, you will have the right to cancel before the effective date of the increase or change in order for your\naccount to remain under the same terms and conditions. Your minimum payment requirement would remain the same.\n19. The use of your card confirms agreement to the Visa terms and conditions as well as the terms outlined herein. Complete disclosures,\nterms and conditions will be provided to you. Please read all terms and conditions prior to use of your card. If you do not agree with the\nterms and conditions provided, contact the SCU Visa Department in writing (mail or fax) immediately to cancel the account.\n\n20. BILLING RIGHTS\nIn Case of Errors or Inquiries about Your Bill:\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at\nthe address indicated below as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which\nthe error or problem appeared.\nYou can telephone us but doing so will not preserve your rights.\nIn your letter give us the following information:\n\n* Your name and account number.\n* The dollar amount of the suspected error.\n* Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are\nunsure about.\nYou do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are\nnot in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you\nquestion.\nIf you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this\nprotection only when the purchase price was more than $50.00 and the purchase was made in your home state or within 100 miles of\nyour mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the property or services, all purchases\nare covered regardless of amount or location of purchase.)\nSend Inquiries to:\nS.C. State Federal Credit Union\nVisa Department\nP.O. Box 726\nColumbia, S.C. 29202\n\n21. If your account goes past due, no further approvals or advances will be made until your account is current. A chronic past-due condition\nwill cause your credit card to be revoked. A late fee (see Fee Schedule) will be assessed if the account becomes 15 days delinquent\nfrom the date of the due date. Payments must be received by 5:00 p.m. EST in order to insure credit for that day.\n\n22. If your account goes past due sixty (60) days, the card may be cancelled. However, the Credit Union may reinstate your card, provided\nyour account is brought up to date and is given reasonable assurance it will not become past due again. Any future recurrence will cause\nan automatic cancellation. The Credit Union may demand payment in full upon written notice to the cardholder, on any delinquent or\ncancelled account.\n\n2\n\n\x0cIMPORTANT VISA AGREEMENT & DISCLOSURES\n\n23. Your monthly statement is your bill. You are required to immediately notify the Credit Union in writing if your name and/or home address\nchanges. Your due date will remain the same each month.\n\n24. Your performance under this agreement may be reported to Credit Reporting Agencies. Protect your credit rating by paying promptly.\n25. You may close your account at any time by notifying us in writing and returning your card or cards, cut in half. You will remain responsible\nfor payment of the amount owed to the Credit Union according to the terms and conditions in effect at the time you close your account.\n\n26. Keep your copy of transaction slips. Checking your copies against your monthly statement can help you guard against incorrect charges\nand fraudulent vendors.\n\n27. Be careful about placing orders by telephone, mail or internet. Satisfy yourself that the company is a reputable firm.\n28. Do not carry cards that are used infrequently, but store in a secure manner where no one else has access to them.\n29. Sign all new cards immediately after receiving them.\n30. Insist that any duplicate transaction slips made through error be destroyed. It is also a good idea to have any carbon papers destroyed\nas well.\n\n31. The Credit Union currently offers a Rewards Program. SCU reserves the right to make changes in the Rewards program and/or\nredemptions without notice; and may cancel the program with 15 days\xe2\x80\x99 notice, after which the Credit Union shall have no obligations\nunder the program, or the rewards cancelled.\n\n32. SKIP PAYMENT OPTION: At our discretion, we may offer you the opportunity to not make ("skip") a minimum payment during certain\ndesignated billing cycles ("skip payment period"). If you do not make your minimum payments as provided in this Agreement, during\nsuch designated billing cycles, you understand that we will continue to apply finance charges to your account. Beginning with the billing\ncycle following an allowed skip payment period, all other provisions of this Agreement will apply. We have no obligation to accept your\napplication for any skip payment period offered, and you authorize us to investigate your creditworthiness including obtaining consumer\ncredit reports. We may charge you an application processing fee of up to $20.00, which will be reflected on your next stateme nt should\nyou choose not to pay the fee outright, for each skip payment period that we may offer to cover our costs of investigating your\nqualifications for this extension including but not limited to the costs associated with researching your creditworthiness.\n\nVisa Terms & Conditions\nThe person (\xe2\x80\x9cCardholder\xe2\x80\x9d) whose name is embossed on the face of the Visa card (\xe2\x80\x9cCard\xe2\x80\x9d) applied for and was issued, and each Cardholder, in\nthe event more than one Card is enclosed herewith bearing the same account number, by signing or using said Card, receipt of which is\nacknowledged, agrees with the issuer of the Card, SC State Federal Credit Union (SCU) as follows:\n\n1.\n\nGoods and services (\xe2\x80\x9cCredit Purchases\xe2\x80\x9d) may be purchased or leased by means of such card by Cardholder from any retail business\nestablishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the execution of a sales slip evidencing such Credit Purchase and bearing the account\nnumber of Cardholder embossed on the face of such Card. Additionally, Visa Cash Advance (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of\nsuch Card (a) upon execution of a written request of Cardholder in a form furnished to him/her from any bank that is a member, alone\nor in association with others, of Visa Inc. and (b) upon execution of a written separate agreement with issuer for a Visa overdraft financing\nagreement, if offered by issuer. Up to 20 authorizations may be granted per day.\n\n2.\n\nCardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else\nusing such Card unless the use of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent\nauthority for such use, and (b) from which Cardholder receives no benefit.\n\n3.\n\nAdditionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the\nuse of any other Card for Cardholder\xe2\x80\x99s account number that has been issued to another person by reason of such person being a\nmember of Cardholder\xe2\x80\x99s family, or otherwise issued upon Cardholder\xe2\x80\x99s request (all such Cards issued for the Cardholder\xe2\x80\x99s account\nhereinafter collectively called \xe2\x80\x9cRelated Cards\xe2\x80\x9d). Further, if you authorize us to honor any Purchase or Cash Advance you make by\ntelephone, mail, or internet on this account, you agree that a signature is not necessary as identification in such cases.\n\n3\n\n\x0cIMPORTANT VISA AGREEMENT & DISCLOSURES\n\n4.\n\nEach Card is the property of issuer, is not transferrable and must be surrendered upon demand. It can be cancelled as well as\nrepossessed by Issuer or its designee, and the privileges thereof revoked at any time without prior notice.\n\n5.\n\nCardholder shall not use Card or permit the use of Related Cards to obtain Credit Purchases or Loans which will increase Cardholder\xe2\x80\x99s\nVisa indebtedness to Issuer to an amount in excess of the limit established by Issuer.\n\n6.\n\nAll Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing Bank, respectively, and Issuer shall not be\nresponsible for refusal by any Seller or Cash Advancing Bank to honor the Card or any Related Card. Any refund, adjustment or credit\nallowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder \xe2\x80\x99s account\nstatement with Issuer.\n\n7.\n\nIssuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all Visa Card\nand Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Cards\nunless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by\nremitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder\xe2\x80\x99s option,\nan Installment equal to at least the required minimum payment stated in Paragraph 4 of the Disclosures.\n\n8.\n\nInterest on Loans and Credit Purchases will be charged in accordance with the interest calculation method referred to in Paragraph 3 of\nthe Disclosures. The rate of interest shall be established by Issuer.\n\n9.\n\nIf the Card is cancelled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or\ninsolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his/her property, Issuer may elect to declare\nall amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has other loans\nfrom Issuer or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder\xe2\x80\x99s obligation\nunder this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder\xe2\x80\x99s primary dwelling will not secure\nCardholder\xe2\x80\x99s obligations under this agreement even if Issuer has or later acquires a mortgage on the dwelling. Cardholder agrees to\npay all costs incurred by Issuer in collecting Cardholder\xe2\x80\x99s indebtedness or in enforcing this agreement, including attorney\xe2\x80\x99s fees of 10%\nof the unpaid balance or such greater amount as may be reasonable and just and also those costs, expenses and attorney\xe2\x80\x99s fees\nincurred in appellate, bankruptcy and post judgments proceedings except to the extent such costs, fees or expenses are prohibited by\nlaw.\n\n10. The validity, construction and enforcement of this agreement and all matters arising out of the issuance and use of the Card shall be\ngoverned by Federal law.\n\nIF YOU HAVE ANY QUESTIONS\nDuring business hours, you may call SCU at 1-800-868-8740, extension 8401.\nAddress of Issuer:\n\nPO Box 726\nColumbia, SC 29202\nFax: 803-978-1037\nIf you have any questions concerning your account after hours or on the weekend, you may contact, the PSCU Service Center by calling the\nfollowing toll-free number, 1-866-583-4051.\n\nAt all times, if your card is lost or stolen, please contact the following toll-free number: 1-866-583-4051 or 1-727-299-2449 outside the\nUS.\n\nPAYMENT ADDRESS:\nState Credit Union\nPO Box 71050\nCharlotte, NC 28272-1050\nPLEASE CONTINUE TO NEXT PAGE FOR COST INFORMATION.\n\n4\n\n\x0cIMPORTANT VISA AGREEMENT & DISCLOSURES\n\nVisa Credit Card Cost Information\nInterest Rates and Interest\nCharges\nAnnual Percentage Rate\n(APR) for Purchases\n\nPlatinum:\n\nAPR for Balance Transfers\n\nPlatinum: 8.9% Gold: 10.9% Classic & Secured: 15.9%\n\nAPR for Cash Advances\n\nPlatinum: 8.9% Gold: 10.9% Classic & Secured: 15.9%\n\nPenalty APR and When It\nApplies\nHow to Avoid Paying\nInterest on Purchases\n\n8.9% Gold: 10.9% Classic & Secured: 15.9%\n\nYour rate is based on individual creditworthiness and our underwriting\nstandards.\nNone\n\nMinimum Interest Charge\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances, including convenience checks, on the transaction date.\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at: http://consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Verified by Visa Password Reset\n\xe2\x80\xa2 Statement Copy Fee\n\xe2\x80\xa2 Lost/Damaged Card\n\xe2\x80\xa2\n\nReplacement\nStop Payment on Convenience\nCheck\n\nNone\nNone\nNone\n1 free per year; $5 each additional\n$5 per statement\n$10 per card\n$25 per check\n\nPenalty Fees\nUp to $25\n\xe2\x80\xa2 Late Payment\nNone; Over-the-Credit Limit transactions not allowed\n\xe2\x80\xa2 Over-the-Credit Limit\nUp to $25\n\xe2\x80\xa2 Returned Payment\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases or advances).\xe2\x80\x9d Billing Rights: Information on your rights to dispute transactions and how to\nexercise those rights is provided in your account agreement.\nThe information about the costs of the card described in this application is accurate as of March 19, 2020. This\ninformation may have changed after that date. To find out what may have changed, call us at 803-343-0300 or 1800-868-8740, or write us at: State Credit Union, PO Box 726, Columbia, SC 29202, or visit www.scscu.com.\nPlease refer to the Truth & Savings Rate & Fee Schedule for other fees that may apply.\nRev 7/2021\n\n5\n\n\x0c'


b'FIFTH THIRD BANK CARD AGREEMENT for Fifth Third Private Bank Card\nF03-S925-2 -1120\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:\n\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 specified, the words you, your and yours mean anyone who applied to us for an Account and\nwhose 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 Card.\nAccount Statement: The periodic statement we mail to you in connection with your Account.\nAgreement: This Fifth Third Bank Card Agreement for Fifth Third Private Bank Card.\n\nAnnual Fee: If your Card has an annual fee, the amount of the annual fee is disclosed in the application for your Account and also\nwill be disclosed in the document that accompanies your Card.\n\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 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\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.\n\nBilling Cycle: Time periods we use to manage your Account; each Billing Cycle is approximately one month long.\n\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 someone\nyou authorize, to receive credit under this Agreement.\n\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 other\nperson that accepts the Card to get cash or cash-like equivalents (for example, money orders, traveler\xe2\x80\x99s checks or other payment\ninstruments) from your Account; (c) use a Convenience Check or access Ready Reserve Overdraft Protection, (d) use your Card\nor your Account number to make a person-to-person transfer conducted through the Internet or otherwise; or (e) quasi-cash\ntransactions.\nConvenience Check: A check that may be used to access your Account.\n\nCovered Borrower: A consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service Members and\nDependents 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.\n\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.\nNon-Revolving Credit Line: The amount of your credit line over your Revolving Credit Line.\n\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 Cycle.\n\nPIN: Personal identification 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).\n\nPurchase: 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.\n1\n\n\x0cRevolving Credit Line: The amount of your Account balance that you are permitted to pay over time.\nTotal Amount of Extended Credit: Your Revolving Credit Line and your Non-Revolving Credit Line.\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.\nYou may use your Account and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your Account\nnumber to participating merchants and establishments where the Card is honored. We will also treat as a Cash Advance any\ntransaction 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.\n\nPurchases from a merchant that are directly convertible to cash (sometimes called \xe2\x80\x9cquasi-cash\xe2\x80\x9d transactions), such as purchases\nof casino gaming chips, lottery tickets, money orders, wire transfer services, travelers cheques or foreign currency, may not be\npermitted with your Card. In the event it is permitted, it will be treated as a Cash Advance. You may not use your Card or your\nAccount for any illegal transaction or any gambling transaction. We reserve the right to decline any such transaction without notice.\n\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 sufficient 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.\nYour Card allows you to pay your Account balance in full each month or pay a portion of your Account balance over time. There is\nno preset spending limit on your Account. No preset spending limit does not mean unlimited spending. Your Revolving Credit Line\nwill be disclosed in the document that accompanies your Card and on your Account Statements.\n\nWe will not disclose your Non-Revolving Credit Line; rather, we will evaluate each charge that causes your Account balance to\nexceed your Revolving Credit Line based on a variety of factors, including your Account spending and history, your experience with\nus and other creditors and information we obtain from credit bureaus. Subject to Applicable Law, we may refuse to authorize or\naccept any Transaction on your Account or Card at any time as described in this Agreement. We may also from time to time and\nin our sole discretion change your Revolving Credit Line; reduce your Revolving Credit Line to $0 and close your Account; limit the\nnumber or amount of Transactions on your Account based on an evaluation of various factors; or refuse or limit your access to your\nNon-Revolving Credit Line. We will promptly notify you in the event we decide to reduce your Revolving Credit Line.\nYour Account Statement may also show that only a portion of your Revolving Credit Line may be used for Cash Advances. Cash\nAdvances, including Convenience Checks and Ready Reserve Overdraft Protection transactions, are charged against the cash\nportion of your Revolving Credit Line. Unless we inform you otherwise, your Cash Advance credit limit will be up to 50% of your\nRevolving Credit Line.\n\n3. Convenience Checks.\nWe may issue Convenience Checks to you, which may be used to access your Account. We will treat any Convenience Check\nissued to you that we pay as a Cash Advance (except for a Convenience Check issued to you as part of a promotional offer which,\nunless we tell you otherwise, will be treated as a Purchase), and we will deduct the amount of the Convenience Check from your\nCash Advance credit limit. Each Convenience Check must be denominated in U.S. dollars and completed and signed by you in the\nsame manner as a personal check. If we provide you with Convenience Checks for your Account, you may not use them to pay any\namount you owe on your Account. You may not request, and we will not honor, a stop payment on any Convenience Check. We\nreserve the right to return any Convenience Check unpaid if (a) the amount of the Convenience Check exceeds your Cash Advance\ncredit limit; (b) your Account is not in good standing or you are otherwise in default of this Agreement; (c) your Card or Convenience\nChecks have been reported lost or stolen or your Account may have been subject to unauthorized use; (d) you use a Convenience\nCheck to pay any amount you owe on your Account; or (e) for any other reason. We will not be liable if we choose to return any\nConvenience Check unpaid.\n\n4. Unauthorized Use.\nYou must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your\nAccount or a Card without your permission. If you notice the loss or theft of your Card or a possible unauthorized use of your Card\nor Account, you should contact us immediately at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) or Saturday 8:30 AM\nto 5 PM (EST). Outside of these hours, contact us at 800-972-3030.\n\n5. Third-Party Claims or Defenses.\nWe are not responsible if a third party refuses to accept or honor your Card or Account, even if you have sufficient available credit.\nExcept as required by Applicable Law, we will not be responsible for any claim or defense you may have against any third party that\narises out of or in connection with any Transaction with your Account or Card or any services or goods or other property purchased\nor leased using your Account or Card.\n2\n\n\x0cPAYING YOUR BILLS\n\n6. Periodic Account Statements.\nExcept as otherwise stated in this Agreement, we will send you an Account Statement. Unless you make other arrangements with\nus, your Account Statement will be mailed to you by regular mail to your address as it appears on our records.\n\nWe will send your Account Statement for each Billing Cycle at the end of which your Account has a debit or credit balance in excess\nof $1.00 or on which an interest charge has been imposed. Generally, you will receive 12 Account Statements each year your\nAccount is open. We will not send your Account Statement if (a) we deem your Account uncollectible, (b) delinquency collection\nproceedings have been instituted, or (c) for any other reason permitted by Applicable Law.\n\nPayment Instructions. We credit your payments in accordance with the terms on your statement. If you mail your payment to an\naddress other than the payment address shown on your statement, there may be a delay in crediting the payment to your Account.\nWe can accept late payments, partial payments or payments marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d or with any other restrictive endorsement,\nwithout losing any of our rights under this agreement. You must pay us in U.S. dollars in funds on deposit in the U.S. If you do not,\nwe may refuse to accept your payment. We may also charge you the costs we incurred to collect the funds and we may select the\ncurrency conversion rate.\n7. Minimum Payment Due.\nYour payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum\nPayment Due shown on your Account Statement on a monthly basis, which will be the greater of (a) 2% of the New Balance,\n(b) 0.5% of the New Balance plus total billed interest charges and any fees, or (c) $35.00. Any New Balance less than $35.00\nis payable in full. The Minimum Payment Due shown on your Account Statement will also include any amount past due and any\namount by which your Account exceeds its credit limit.\n\nAlthough we may post payments as of the date we receive them, your Revolving Credit Line 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 account\nwith us, you agree to have on deposit in that account on the Payment Due Date available funds equal to the Minimum Payment 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.\n\nAutomatic Billing. You may set up automatic billing with a merchant. If your Account Number or expiration date changes, you\nauthorize us to provide the merchant with this information at our discretion. To stop automatic billing, you must contact the\nmerchant directly.\n\n8. Prepayment.\nYou may pay without penalty any portion of the entire New Balance or more than your Minimum Payment Due before the Payment\nDue Date. You understand that by making a prepayment, the total amount you owe us will be reduced but that you must pay the\nMinimum Payment Due in successive Billing Cycles as reflected in your Account Statement.\nDETERMINATION OF INTEREST CHARGES\n\n9. Daily Periodic Rate.\nWe determine the Periodic Rate by dividing the applicable APR by 365 (366 if a leap year).\n10. Minimum Interest Charge.\nIf you are charged interest, the charge will be no less than $1.50.\n11. Annual Percentage Rate (APR).\n(a) APR for Purchases, Balance Transfers and Cash Advances.\n\nAPR for Purchases and Balance Transfers. Documents accompanying your Card, which are incorporated by reference into this\nAgreement, disclose the APR for Purchases and Balance Transfers in effect when your Account is 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 first 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 definition of Prime Rate, we may, at our sole discretion, substitute another index.\nAPR for Cash Advances. The APR for Cash Advances will be 24.99% (corresponding Daily Periodic Rate of 0.06846%).\n(b) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and corresponding APR for Purchases,\nBalance Transfers and Cash Advances if you are in default of this Agreement, or if we, in our sole discretion and from time to time,\ndecide to take such action.\n\n3\n\n\x0c(c) 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 specific\ntransactions, such as transferring balances from accounts you have with others, or an introductory APR for Purchases when you\nopen an Account. The period of time for which the introductory or promotional APR applies may be limited. Any introductory or\npromotional APR offer will be subject to the terms of the offer and this Agreement. If applicable, we will disclose information regarding\nany introductory or promotional APRs and the period of time during which they are in effect in the document that accompanies\nyour Card or in materials we send you about the offer after you obtain your Card. If (i) we receive a Minimum Payment Due after\nits Payment Due Date; or (ii) (A) a check, similar instrument or electronic payment order that you have used for payment on your\nAccount has been returned to us unpaid for any reason, (B) we must return a check or other instrument because it is not signed or\nis otherwise incomplete, or (C) a Convenience Check used to access your Account is not honored for any reason, we may adjust\nthe APR to the Purchase or Balance Transfer APR then in effect as applicable.\n12. 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 first calculate a separate daily balance for each balance on your Account. (For example current\npurchases, balance transfers, cash advances, and different promotional balances. Your balances are shown on your statement.) To\ncalculate the daily balance, we start with the balance at the end of the previous day, which includes any unpaid interest charges on\nthat balance. (This results in compounding of interest.) We add any new transactions, interest, or fees and subtract any new credits\nor 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.\n\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 Average\nDaily Balance for that balance. To calculate the total interest for each balance, we then multiply the average daily balance by its daily\nperiodic rate and the number of days in the billing cycle. The daily periodic rate equals the APR divided by 365 (366 if a leap year).\nYou 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\n(b) Interest Charges. No interest charges (other than International Transaction Fees) will be imposed on Purchases if you pay in full\nthe New Balance shown on the Account Statement for your Current Billing Cycle by the Payment Due Date. If you have not done so,\nan interest charge will accrue from the transaction date on Purchases at the applicable APR for Purchases until the date payment\nin full is posted to your Account.\n\nAn interest charge will be imposed on Balance Transfers and Cash Advances from the Transaction date and included in the average\ndaily balance of Balance Transfers and Cash Advances at the applicable APR for Balance Transfers and Cash Advances until the\ndate payment in full is posted to your Account. There is no grace period or time period within which to pay and avoid an interest\ncharge on Balance Transfers and Cash Advances.\n\nThe total interest charge for a Billing Cycle is the sum of the interest charges for Purchases, Balance Transfers and Cash Advances.\nTo compute the periodic rate portion of interest charges for your Current Billing Cycle, we multiply the average daily balance of\neach type of your Transactions in the Current Billing Cycle by the applicable Daily Periodic Rates for that cycle. Fees for Balance\nTransfers, Cash Advances and International Transactions, if any, are added to and included in the total interest charges for your\nCurrent Billing Cycle.\n13. Fees.\nAnnual Fee. None.\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 $5.00 or 4% of the total dollar amount of the balance you are transferring from another account to your Account.\n\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.\n\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 fee\nis $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 exceed the\namount permitted by law.\nInternational Transaction Fee. None.\nExpedited Card Delivery Fee. None.\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.\n\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\n14. Foreign Currency Transactions.\nIf a Transaction is made in a foreign currency, we and Mastercard will convert the Transaction into a U.S. dollar amount. Mastercard\nwill act in accordance with its operating regulations or conversion procedures in effect at the time the Transaction is processed.\nCurrently, its regulations and procedures provide that the currency conversion rate used is either: (1) a wholesale market rate, or (2)\n4\n\n\x0ca government-mandated rate in effect one day prior to the processing date. The currency conversion rate calculated in this manner\nthat is in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.\nGENERAL PROVISIONS\n15. Accepting this Agreement.\nThis Agreement will be effective on either the date you sign or otherwise submit an application for the Account that we approve or the\ndate you use, or someone you authorized uses, the Card or the Account, whichever is earlier. You agree that by using the Account\nor the Card, signing an Account application or other Account document or otherwise accepting the Account or the Card, you accept\nthe terms and conditions of this Agreement.\n\n16. Promise to Pay.\nBy using your Card or your Account, you promise to pay us for all Transactions made on your Account, as well as any fees, interest\ncharges or other charges. If this is a joint Account, each of you, together and individually, is responsible for all amounts owed, even\nif only one of you uses the Account.\n17. Your Responsibility.\nYou are responsible for all Transactions and other amounts posted to your Account arising from the authorized use of your Account\nor Card. If you have authorized another person to use your Account or Card in any way, we will deem your authorization to include\nthe authorization to make Transactions of any kind using your Account or Card and to incur related fees and charges.\n\nWe will also deem your authorization to continue until you revoke it by preventing that person from using your Account or Card. We\nare not responsible for controlling any person whom you have asked us to add to your Account or someone you let use your Account\nor Card. You should think carefully before allowing anyone to become an authorized user on your Account because you are allowing\nthat person to use the Account as you can. If you wish to remove that person\xe2\x80\x99s ability to use your Account or Card, you must notify\nus in writing. This notice will not be effective until we receive and have had a reasonable opportunity to act on it.\nOUR RIGHTS AND HOW THEY AFFECT YOU\n18. Delays in Enforcement.\nWe can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future.\nFor example, we may accept late payments or payments that are marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with other restrictive endorsements\nwithout losing any of our rights under this Agreement.\n\n19. Termination.\nSubject to Applicable Law, we may terminate this Agreement or revoke your right to use your Account or Card, along with your right\nto make future Transactions, at any time and for any reason without notice to you. You or anyone you authorized to use the Card or\nAccount may terminate your Account and use of your Card at any time by calling us at 866-488-0017, or writing to us at Fifth Third\nBank, MD: 1MOC2G, 5050 Kingsley Drive, Cincinnati, Ohio 45227. Any request to terminate your Account will be effective after\nwe have had a reasonable opportunity to act on such request. The termination of this Agreement, whether initiated by us or you,\nwill not affect any of your or our rights and obligations under this Agreement. If this Agreement is terminated, you must still repay\nany amounts you owe us, even if we allow a Transaction to be completed with your Account or Card after this Agreement has been\nterminated. You agree to give to us or to destroy all of the Cards issued on your Account when we ask you to or when this Agreement\nis terminated. If someone attempts to use a Card after this Agreement is terminated, the Card may be retained. A Card also may be\nretained when you try to use it when certain other events occur.\n20. Default.\nSubject to Applicable Law, your Account will be in default under this Agreement if any one of the following occurs: (a) you become\ngenerally unable to pay your debts, (b) you die or are declared legally incompetent, (c) you use a check or instrument for payment\nthat is dishonored, (d) you fail to pay the Minimum Payment Due on or before your Payment Due Date, (e) any other creditor tries\nby legal process to take money of yours in our possession, (f) a petition is filed or other proceeding is commenced by or against\nyou under the federal bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us with any false or\nmisleading information, (h) you breach any of your other obligations under this Agreement, (i) you are in default of any other credit\nagreement you have with us or any of our affiliates, or (j) we believe in good faith that you may not pay or perform your obligations\nunder this Agreement. The payment of any fee charged by us will not cure the default that caused the fee.\n\n21. Our Additional Rights When You Are in Default.\nIf your Account is in default under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion of your\noutstanding Account balance immediately, (b) allow you to repay your Account subject to the terms and conditions of this Agreement,\n(c) immediately terminate your Account and cancel all Cards, (d) reduce your Account Total Amount of Extended Credit or otherwise\nlimit your ability to make Transactions as discussed in this Agreement, (e) commence a legal proceeding against you to collect all\namounts owed in connection with this Agreement, or (f) increase the APR for Purchases and Cash Advances. We also may charge\nyou court costs and reasonable attorneys\xe2\x80\x99 fees that we actually incur, as permitted by Applicable Law, if your Account is sent for\ncollection to an attorney who is not our salaried employee. We will not be obligated to honor any attempted use of your Card or your\nAccount if your Account is in default, or we have decided to terminate your Account or limit your ability to make Transactions as\ndiscussed in this Agreement. Except as otherwise provided for in this Agreement, interest charges will continue to accrue at the APR\nin effect at the time of default until your total Account balance, including such accrued interest charges, is paid in full. You agree that,\nsubject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your home and your\nplace of business regarding collection of your Account. You understand and agree that the calls to your home may be automatically\ndialed and a recorded message may be played. You agree such calls will not be considered \xe2\x80\x9cunsolicited\xe2\x80\x9d calls or telemarketing calls\nfor purposes of state or federal law.\n5\n\n\x0c22. Re-evaluation of Financial Condition and Credit History.\nWe may reevaluate your financial condition and investigate any information you provided on your Account application at any time.\nIn the course of doing so, we may obtain a current credit report and ask you for additional information about your financial condition\nby completing a Personal Financial Statement or such other form that we request from time to time. You give us your permission to\nobtain any information about you that we believe would be beneficial to facilitate our determination of your eligibility for the Account\nand the Card, including credit reports from consumer reporting agencies. We may, as a result of any such re-evaluation, (i) increase\nyour credit line; (ii) decrease your credit line; or (iii) deem your Account to be in default.\nCOMMUNICATIONS WITH US.\n\n23. Contact Us.\nUnless we tell you otherwise, you can notify us at Fifth Third Bank, Customer Service, MD: 1MOC2G, 5050 Kingsley Drive,\nCincinnati, OH 45227, or call us at 800-972-3030. When writing, please include your name, address, home telephone number and\nAccount number.\n\n24. Contact with You.\nTo the extent permitted by applicable law, you authorize us and our affiliates, agents, and contractors, and anyone to whom we may\nsell 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\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 are\ncharged by your provider, and using automated telephone equipment or prerecorded messages;\n\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; or\nconnects to any type of mobile/wireless device; and even if such telephone number is currently listed on a Do Not Call Registry.\nYou 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 connection\nwith this Agreement.\n25. Monitoring and Recording.\nYou authorize us to monitor and/or record your calls with us.\n\n26. Military Lending Act Protections.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not\nexceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participat ion\nfee charged (other than certain participation fees for a credit card account). To receive this disclosure by phone, please call\n877-899-0815, 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. If you were a Covered Borrower under the Military Lending Act Regulations with regard\nto any prior agreement, this arbitration clause does not cover any claims related to that prior agreement.\n\n27. Claim. Any claim, dispute or controversy between you and us arising from or relating to this Agreement, any prior agreement\nthat you 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, tort,\nfraud and other intentional torts, statute, common law and equity. The term Claim is to be given the broadest possible meaning and\nincludes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (a) the Account\ncreated by the Agreement or any prior agreement or any balances on the Account, (b) the Card, (c) the EFT services or Ready\nReserve Overdraft Protection feature, (d) advertisements, promotions or oral or written statements related to the Card, the Account\nor the terms of financing, and (e) your use of the Card and the Account.\n\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 a\nCovered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead of litigated\nin court under the circumstances and procedures set forth below. If arbitration is elected, any Claim will be resolved pursuant to\nthis 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 time the Claim is\nfiled. (If for any reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another nationally recognized\narbitration organization utilizing similar rules and procedures will be substituted by us.)\n\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 in\ncourt, we may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other party or parties, only if\nno other party is a Covered Borrower.\n\n6\n\n\x0cIF 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\nRIGHTS THAT 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.org.\nAll Claims must be filed at any AAA office.\n\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 filing, administrative and/or hearing fees for any Claim that you may file against us after you have paid an amount equivalent\nto the fee, if any, for filing such a Claim in state or federal court (whichever is less) in the judicial district in which you reside. At the\nconclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, administrative and/or\nhearing fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will bear the expense of that\nparty\xe2\x80\x99s attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, regardless of which party prevails in the arbitration.\n\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 and\napplicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered by the\narbitrator may be entered in any court having jurisdiction. The arbitrator\xe2\x80\x99s decision will be final and binding, except for any right of\nappeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal the award to\na three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award requested by the\nappealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne by the appealing party\nregardless of the outcome of the appeal.\n\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, affiliates, predecessors, successors and assigns, and all of their independent\ncontractors, agents, employees, directors and representatives.\n\nThis provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in connection\nwith this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or statute consistent with\nthe FAA, it will not invalidate the remaining portions of this arbitration provision or the Agreement. In the event of a conflict or\ninconsistency between the AAA Rules and this arbitration provision, this provision will govern\n\n28. Changes to this Agreement.\nSubject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by\nadding, deleting or modifying any provision (including increasing any rate of interest charge, increasing or adding fees or charges\n(including annual fees), changing the method of computing balances subject to interest charge, changing your Total Amount of\nExtended Credit, changing the date upon which interest charges begin to accrue, changing the Minimum Payment Due or limiting\nthe number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless we are\nrequired by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case, those changes\nwill be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such changes will apply\nto your outstanding Account balance on the effective date of the change and to any future balances created after that date. If we\ngive you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the\ndate stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept\nall changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you,\nregardless of whether you have access to your Account. If you reject a change that we make, we will close your Account. No change\nto any term of this Agreement will affect your obligation to pay all amounts you owe under this Agreement.\n\n29. Waiver of Rights.\nExcept as may be prohibited by Applicable Law, you agree to waive any right you may have for us to act promptly in bringing any\naction(s) against you (known as diligence); to demand payments of amounts due (known as presentment); to obtain an official\ncertification of non-payment (known as protest); and to give notice that amounts due will not be paid (known as notice of dishonor\nor notice of default and non-payment).\n\n30. Change of Address.\nWe will rely on the address we have for you in our records for any Account communications we send to you unless and until either\nyou or the U.S. Postal Service notifies us of a change of address and we have had a reasonable opportunity to act on such notice. If\nyour Account is a joint Account, each of you appoints the other as your agent to designate the address to which any and all Account\ncommunications, including the Account Statement, may be sent to you.\n\n31. Correspondence.\nTo the extent permitted by Applicable Law, any communication you send to us will not be effective until we receive it and have had\na reasonable opportunity to act on it. Any communication we send to you will, however, be effective and deemed delivered when\nmailed to you at your address as it appears on our records.\n\n32. Assignment.\nYou may not sell, assign or transfer your Account or Card or any of your rights and obligations under this Agreement. We may,\nhowever, sell, assign or transfer your Account, or any balance due thereunder, and our rights and obligations under this Agreement\nto another entity without your consent and without prior notice. That entity will take our place in this Agreement.\n7\n\n\x0c33. Severability.\nIf any provision of this Agreement is deemed to be void or unenforceable by a court of competent jurisdiction, or any governmental\nagency, that provision will continue to be enforceable to the extent permitted by that court or agency, and the remainder of that\nprovision will no longer be considered as part of this Agreement. All other provisions of this Agreement will, however, remain in full\nforce and effect.\n\n34. Governing Law.\nThis Agreement is entered into between you and us in the State of Ohio, and your Account and this Agreement, and any claim,\ndispute or controversy arising from or relating to your Account or this Agreement, whether based in contract, tort, fraud or otherwise\nand regardless of the place where you live, is governed by, and construed in accordance with, the laws of the State of Ohio, without\nregard to Ohio\xe2\x80\x99s conflict of laws principles, and applicable federal laws and regulations. The legality, enforceability and interpretation\nof this Agreement and the amounts contracted for under this Agreement also are governed by Ohio law and applicable provisions\nof federal law, and all amounts granted under this Agreement are extended from the State of Ohio.\n\n35. Entire Agreement.\nYou acknowledge that this Agreement, as amended from time to time, and the documents accompanying your Card that apply\nto your Account, which are incorporated by reference into this Agreement, make up the entire agreement between you and us\nand supersedes and may not be contradicted by evidence of any prior or contemporaneous written or oral communications and\nunderstandings between you and us concerning the Account and the Card. Neither you nor we intend that anything in this Agreement\nshould result in the assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or charge assessed\nunder this Agreement is finally determined to be in excess of that permitted by Applicable Law, the excess amount will be applied to\nreduce the outstanding balance in your Account or, if there is no outstanding balance, will be refunded to you. You agree that any\ndocumentation provided to you that indicates that a Transaction was made shall be admissible as evidence of such Transaction and\nshall be proof that such transaction or transfer was made.\n36. Questions.\nIf you have any questions about this Agreement or your Card, please contact us at 800-972-3030.\n\n37. Section Headings.\nThe Section headings used in this Agreement are only meant to organize this Agreement, and do not in any way limit or define your\nor our rights or obligations hereunder.\nREADY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND TRANSFER AND ELECTRONIC BANKING SERVICES\n\n38. Ready Reserve Overdraft Protection.\nYou may set up this Account to cover overdrafts on your checking account. If you do, then the terms of this Agreement and the\nDeposit Account Rules & Regulations will apply. For purposes of this Agreement, Ready Reserve Overdraft Protection transactions\nwill be treated as Cash Advances, subject to the Cash Advance APR. If you enroll in Ready Reserve Overdraft Protection, you may\nuse your credit card to withdraw from your checking account at an ATM by entering your PIN and selecting withdraw from checking\nwhen prompted.\n39. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking Services.\nIf you use your Card as an ATM card, the terms of this Agreement and your checking account agreement titled, Deposit Account\nRules & Regulations, will apply.\nYOUR BILLING RIGHTS: 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. If you think there is an error on your statement, write to us at:\n\nFifth Third Bank, Attn: Disputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, Ohio 45227.\n\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\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 is\na mistake.\n\nYou must contact us:\n\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\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.\n\nYou must 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 as soon as possible\nat 800-972-3030.\n\n8\n\n\x0cWhat Will Happen After We Receive Your Letter.\n\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you that we received your letter.\nWe will also tell you if we have already corrected the error.\n\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\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 Total Amount of Extended Credit.\nAfter we finish our investigation, one of two things will happen:\n\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.\nWe 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.\n\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 first $50 of the amount you question, even if your bill is correct.\n\nYour Rights If You Are Dissatisfied With Your Card Purchase. If you are dissatisfied with the goods or services that you have\npurchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to\npay the remaining amount due on the Purchase. To use this right, all of the following must be true:\n\n1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement\nwe 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.\n\nIf all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Fifth Third Bank,\nAttn: Disputes 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 finish our investigation, we will tell\nyou 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-S925-2 -1120\n9\n\n\x0cFifth Third Private Bank Card Fees and Credit Disclosures\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\n9.24%. This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n24.99%\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\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://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\nNone\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 "average daily balance (including new purchases)."\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 and Balance Transfers: The Purchase and Balance Transfer APR is calculated using the Prime\nRate ("Prime") plus a margin (percentage we add to Prime) of 5.99%.\nVariable Based on Prime: The Prime Rate means the Prime Rate published in the "Money Rates" section of the online version of\nThe 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 and Balance Transfers will be applied to your existing\nAccount balance and to subsequent transactions effective the \xef\xac\x81rst day of the Billing Cycle in which we determine the interest\nrate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily Periodic Rate and the APR,\nand as a result, the interest charge and the Minimum Payment Due will change and may result in a smaller part of your payment\nbeing 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'