FIFTH THIRD BANK CARD AGREEMENT for Mastercard® Fifth Third Preferred Card® 

F03-S913-1-0719
 
This Agreement governs the terms and conditions of your Fifth Third Preferred Card®. You should retain and carefully review this
entire Agreement. You and we agree as follows:
 
We give this Agreement to our customers when they are approved for an Account, or when they request it. By obtaining a Card,

opening an Account and making Transactions, you agree to use the Card and Account only for personal, family or household

purposes and to comply with this entire Agreement. Unless otherwise specified, the words you, your and yours mean anyone

who applied to us for an Account and whose application we have approved, and who uses the Account with your permission.

The words we, our, us and Fifth Third mean Fifth Third Bank and its successors and assigns.
 

DEFINITIONS
 
Account: Unless the context provides otherwise, your credit card account that you can access with your Fifth Third Preferred Card.
 
Account Statement: The periodic statement we mail to you in connection with your Account.
 
Agreement: This Fifth Third Bank Card Agreement for Mastercard Fifth Third Preferred Card.
 
Annual Fee: Your Card has an annual fee of $79. The annual fee is waived, 1) the first year for all cardholders; 2) for Members of
 
the Preferred Program (requires a combined account balance equal to or greater than $100,000) or Fifth Third Private Bank; or 
3) we communicated to you in writing that the annual fee would be waived permanently. 

Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations, licensing requirements, regulatory 

bulletins or guidance, regulatory examinations, agreements or orders, (b) rule, regulation, restriction, requirement or contractual 
term of Mastercard, and (c) judicial or administrative interpretations of any of the foregoing. 

ATM: Automated teller machine. 
Available Credit Limit: The difference between the balances you owe us and your Account credit limit. 
Bank Account: Your savings or checking account that you maintain with us primarily for personal, household or family purposes and 

designate to be accessed by your Card and PIN. 

Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is approximately one month long.

Business Day: Monday through Friday, excluding Federal Reserve Bank holidays.
 
Card: One or more cards or other access devices, including your account number or virtual card, that we issue to you, or
 

someone you authorize, to receive credit under this Agreement. 

Cash Advance: A transaction in which you (a) use your Card to get a cash advance from an ATM; (b) present your Card to any 

bank or other person that accepts the Card to get cash or cash-like equivalents (for example, money orders, traveler’s checks or 
other payment instruments) from your Account; (c) use a Convenience Check or access Ready Reserve Overdraft Protection, (d) 
use your Card or your Account number to make a person-to-person transfer conducted through the Internet or otherwise; or (e) 
quasi-cash transactions. 

Claim: Any claim, dispute or controversy between you and us arising from or relating to this Agreement, any prior agreement 

that you may have had with us or the relationships resulting from the Agreement or any prior agreement, including the validity, 
enforceability or scope of this provision, the Agreement or any prior agreement. Claim includes claims of every kind and nature, 
including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, 
tort, fraud and other intentional torts, statute, common law and equity. The term Claim is to be given the broadest possible 
meaning and includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates 
to (a) the Account created by the Agreement or any prior agreement or any balances on the Account, (b) the Card, (c) the EFT 
services or Ready Reserve Overdraft Protection feature, (d) advertisements, promotions or oral or written statements related to 
the Card, the Account or the terms of financing, and (e) your use of the Card and the Account. 

Convenience Check: A check that may be used to access your Account.
 
Current Billing Cycle: A Billing Cycle that just ended.
 
Daily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a daily basis.
 
EFT: Electronic funds transfer.
 
Foreign Transaction: A Transaction that occurs or is submitted to us from outside the
   

United States or in a foreign currency. 

International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or in a foreign currency. 
Minimum Payment Due: The minimum amount you must pay by the Payment Due Date shown on the front of your Account 

Statement. 

New Balance: The new balance on your Account shown on the front of your Account Statement. 
Payment Address: The remittance address indicated on the front of your Account Statement. 
Payment Due Date: The date shown on the front of your Account Statement by which we must receive payment for the

Billing Cycle. 

PIN: Personal identification number.

POS: Point of sale.
 
Purchase: A purchase or lease of goods or services made with your Card or your Account.
 

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Ready Reserve Overdraft Protection: An optional feature of your Account whereby you may link a checking account to your

Account to cover overdrafts on the checking account. 

Transaction: A purchase or cash advance. 
U.S.: United States. 
Prime Rate: The highest prime rate published in the “Money Rates” section of the online version of The Wall Street Journal (WSJ). 

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT 
1. Credit Transactions, Purchases and Cash Advances.  
You may use your Card and your Account to make a Purchase or obtain a Cash Advance by presenting your Card or your 
Account number to participating merchants and establishments where the Card is honored. We will also treat as a Cash Advance 
any transaction using Ready Reserve Overdraft Protection. 
You may also use your Card to transfer balances from other creditors, to make other transactions by means of balance transfer 
coupons or checks, or for any other transactions that we encourage you to make through an introductory or promotional offer, in 
accordance with the additional terms and conditions that we may offer from time to time. Unless we tell you otherwise, we will also 
treat any such balance transfer or other transaction as a Purchase. 
You agree that any debt incurred using your Card or your Account is valid, regardless of the purpose of the Transaction. 
Purchases from a merchant that are directly convertible to cash (sometimes called “quasi-cash” transactions), such as purchases 
of casino gaming chips, lottery tickets, money orders, wire transfer services, travelers cheques or foreign currency, may not be 
permitted 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 
Account for any illegal transaction or any gambling transaction. We reserve the right to decline any such transaction without notice. 
Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and dollar amounts of any Transactions, 
even if you have sufficient available credit. We may also terminate or suspend your use of your Account and Card and access to 
your Account without notice unless prohibited by Applicable Law. 

2. Credit Limit. 
We will inform you of your credit limit from time to time. You must keep your Account balance below your credit limit. If you do not,
you must still pay us. We may designate part of your credit limit as a cash advance limit. We may increase or decrease your credit
limit or your cash advance limit at any time, without notice. Your available credit may not be restored for up to 7 days after we
receive your payment. 
3. Convenience Checks.  
We may issue Convenience Checks to you, which may be used to access your Account. We will treat any Convenience Check 
issued to you that we pay as a Cash Advance (except for a Convenience Check issued to you as part of a promotional offer 
which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the amount of the Convenience Check from 
your Cash Advance credit limit. Each Convenience Check must be denominated in U.S. dollars and completed and signed by you 
in the same manner as a personal check. If we provide you with Convenience Checks for your Account, you may not use them 
to pay any amount you owe on your Account. You may not request, and we will not honor, a stop payment on any Convenience 
Check. We reserve the right to return any Convenience Check unpaid if (a) the amount of the Convenience Check exceeds your 
Cash Advance credit limit; (b) your Account is not in good standing or you are otherwise in default of this Agreement; (c) your 
Card or Convenience Checks have been reported lost or stolen or your Account may have been subject to unauthorized use; (d) 
you use a Convenience Check 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 Convenience Check unpaid. 

4. Unauthorized Use.  
You must notify us immediately and assist us in our investigation if your Card is lost or stolen or you believe someone is using your 
Account or a Card without your permission. If you notice the loss or theft of your Card or a possible unauthorized use of your Card 
or Account, you should contact us immediately at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) or Saturday 8:30 AM  
to 5 PM (EST). Outside of these hours, contact us at 800-972-3030. 

5. Third-Party Claims or Defenses.  
We are not responsible if a third party refuses to accept or honor your Card or Account, even if you have sufficient available credit. 
Except as required by Applicable Law, we will not be responsible for any claim or defense you may have against any third party 
that arises out of or in connection with any Transaction with your Account or Card or any services or goods or other property 
purchased or leased using your Account or Card. 

PAYING YOUR BILLS 
6. Periodic Account Statements.  
Except as otherwise stated in this Agreement, we will send you an Account Statement. Unless you make other arrangements with 
us, your Account Statement will be mailed to you by regular mail to your address as it appears on our records. We will send your 
Account Statement for each Billing Cycle at the end of which your Account has a debit or credit balance in excess of $1.00 or on 
which an interest charge has been imposed. Generally, you will receive 12 Account Statements each year your Account is open. 
We will not send your Account Statement if (a) we deem your Account uncollectible, (b) delinquency collection proceedings have 
been instituted, or (c) for any other reason permitted by Applicable Law. 

7. Payments. 
Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum 
Payment Due shown on your Account Statement on a monthly basis, which will be the greater of (a) 2% of the New Balance, (b)  

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0.5% of the New Balance plus total billed interest charges and any fees, or (c) $35.00. Any New Balance less than $35 is payable 
in full. The Minimum Payment Due shown on your Account Statement will also include any amount past due and any amount by 
which your Account exceeds its credit limit. You agree to make all payments by check or other negotiable instrument drawn on a 
U.S. branch of a financial institution located in the U.S. or by money order. Payments must be denominated in U.S. dollars. 
We credit your payments in accordance with the terms on your statement. If you mail your payment to an address other than the 
payment address shown on your statement, there may be a delay in crediting the payment to your Account. We can accept late 
payments, partial payments or payments marked “payment in full,” or with any other restrictive endorsement, without 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, we may refuse 
to accept your payment. We may also charge you the costs we incurred to collect the funds and we may select the currency 
conversion rate. 
Although we may post payments as of the date we receive them, your Available Credit Limit may not be restored for up to 7 days 
after we receive your payment. If the Minimum Payment Due is to be automatically deducted from your checking or savings 
account with us, you agree to have on deposit in that account on the Payment Due Date available funds equal to the Minimum 
Payment Due.  
Payments on your Account that exceed the Minimum Payment Due will be allocated first to the Account balance with the highest 
APR, and then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your 
Account. Payments on your Account that do not exceed the Minimum Payment Due will be applied in the following order: interest 
charges, fees, any applicable installment balance minimum amount due that is calculated separately from the Minimum Payment 
Due, the Account balance with the lowest APR, then to each consecutive Account balance bearing the next lowest APR at the 
time payment is posted to your Account. 
We may, in our sole discretion, offer you the ability to make your payments on an expedited basis. When you authorize us to 
process an expedited payment to your Account, we may charge you a fee. The amount of the fee will be disclosed to you at the 
time of the payment. We are not responsible if your financial institution dishonors an expedited payment for any reason, and we 
will retain the fee in those circumstances. 

8. Prepayment.
You may pay without penalty any portion of the entire New Balance or more than your Minimum Payment Due before the Payment 
Due Date. You understand that by making a prepayment, the total amount you owe us will be reduced, but that you must pay the 
Minimum Payment Due in successive Billing Cycles as reflected in your  
Account Statement. 

DETERMINATION OF INTEREST CHARGES 
9. Daily Periodic Rate.  
We determine the Daily Periodic Rate by dividing the applicable APR by 365 (366 if a leap year). 
10. Minimum Interest Charge. 
If you incur interest charges in any Billing Cycle that total less than $1.50, the interest charge that will be charged to your Account
is $1.50. 

11. Annual Percentage Rate (APR).
(a) APR for Purchases and Cash Advances. Documents accompanying your Card, which are incorporated by reference into this 
Agreement, disclose the APR for Purchases and Cash Advances in effect when your Account is opened.  
(b) Variable APR for Purchases. If the APR for Purchases is a variable rate based on the Prime Rate plus a margin, we will 
calculate the rate daily by adding the applicable margin for those Transactions to the Prime Rate. (A “margin” is the percentage 
we add to the Prime Rate to calculate the APR.) This APR may vary (increase and decrease), but will not exceed 29.99%  
(corresponding Daily Periodic Rate of 0.08216%). Any increase or decrease in the Prime Rate will result in an increase or 
decrease in your Daily Periodic Rate and the APR, and as a result, the interest charge and the Minimum Payment Due will change 
and may result in a smaller part of your payment being applied to reduce principal. We determine the Prime Rate two business 
days prior to the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR for Purchases will 
be applied to your existing Account balance and to subsequent Transactions effective as of the first day of the Billing Cycle in 
which we determine the interest rate. If The Wall Street Journal (WSJ) does not publish the prime rate, or if it changes the definition 
of Prime Rate, we may, at our sole discretion, substitute another index. 
(c) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and corresponding APR for Purchases 
and Cash Advances if you are in default of this Agreement, or if we, in our sole discretion and from time to time, decide to take 
such action. (Please see the sections of this Agreement entitled “Penalty APR for Payments Late by 60 Days or More,” “Penalty 
APR for Other Default,” “Changes to this Agreement” and “Default.”) 
(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we may offer you an introductory or 
promotional APR for all or a part of your Transactions. For example, we may offer you a promotional APR to encourage specific 
transactions, such as transferring balances from accounts you have with others, or an introductory APR for Purchases when 
you open an Account. The period of time for which the introductory or promotional APR applies may be limited. Any introductory 
or promotional APR offer will be subject to the terms of the offer and this Agreement. If applicable, we will disclose information 
regarding any introductory or promotional APRs and the period of time during which they are in effect in the document that 
accompanies your Card or in materials we send you about the offer after you obtain your Card. If (i) we receive a Minimum 
Payment Due after its Payment Due Date; (ii) your total outstanding balance exceeds your Account credit limit on the closing 
date of a Billing Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used for payment on your 
Account has been returned to us unpaid for any reason, (B) we must return a check or other instrument because it is not signed or 
is otherwise incomplete, or (C) a Convenience Check used to access your Account is not honored for any reason, we may adjust  

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the APR to the Purchase or Balance Transfer APR then in effect or the penalty APR, as applicable. 
(e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve the right to increase the APR  
to 29.99% (corresponding Daily Periodic Rate of 0.08216%) on all new and outstanding Account balances each time we do 
not receive at least the Minimum Payment Due within 60 days of its Payment Due Date, including when we do not receive the 
Minimum Payment Due because a check, similar instrument or electronic payment order that we receive as payment on your 
Account has been returned to us unpaid for any reason, or we must return a check or other instrument because it is not signed or 
is otherwise incomplete. Once you become subject to this penalty APR, we may change your APR for outstanding balances back 
to the respective APRs in effect for your Account (not including any promotional APR), but only if you pay at least the Minimum 
Payment Due by the Payment Due Date for six (6) consecutive Billing Cycles. Any other variable or non-variable APR that would 
otherwise apply to new and outstanding Account balances will change to this penalty APR. 
(f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase the APR to 29.99% (corresponding 
Daily Periodic Rate of 0.08216%) on all new Transactions on your Account that occur more than 14 days after we send you notice 
of the increased APR each time (i) we receive a Minimum Payment Due after its Payment Due Date but before 60 days after its 
Payment Due Date; (ii) your total outstanding balance exceeds your Account credit limit on the closing date of a Billing Cycle; or (iii) 
(A) a check, similar instrument or electronic payment order that you have used for payment on your Account has been returned to 
us unpaid for any reason, (B) we must return a check or other instrument because it is not signed or is otherwise incomplete, or (C) 
a Convenience Check used to access your Account is not honored for any reason. Once you become subject to this penalty APR, 
we may change your APR back to the respective APRs in effect for your Account (not including any promotional APR), but only if 
you pay at least the Minimum Payment Due by the Payment Due Date for six (6) consecutive Billing Cycles. Any other variable or 
non-variable APR that would otherwise apply to new Account balances will change to this penalty APR. 

12. Balance Subject to Interest Charge and Interest Charges.  
(a) Interest Charge Calculation. We impose interest on your Account using the average daily balance method (including new 
transactions). To calculate interest we first calculate a separate daily balance for each balance on your Account. (For example 
current purchases, balance transfers, cash advances, and different promotional balances. Your balances are shown on your 
statement.) To calculate the daily balance, we start with the balance at the end of the previous day, which includes any unpaid 
interest charges on that balance. (This results in compounding of interest.) We add any new transactions, interest, or fees and 
subtract any new credits or payments allocated to that balance, and make other adjustments. We 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. We add a transaction fee to the 
same balance as the transaction. We generally add other fees to the current purchase balance.  
For 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 Daily Balance for that balance. To calculate the total interest for each balance, we then multiply the average daily balance 
by its daily periodic 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). You authorize us to round interest charges to the nearest cent.  
We may use mathematical formulas that produce equivalent results to calculate the Balance Subject to Interest Rate, interest 
charges and related amounts. 
(b) Interest Charges. No interest charges (other than International Transaction Fees) will be imposed on Purchases if you pay in 
full the New Balance shown on the Account Statement for your Current Billing Cycle by the Payment Due Date. If you have not 
done so, an interest charge will accrue from the transaction date on Purchases at the applicable APR for Purchases until the date 
payment in full is posted to your Account.  
An interest charge will be imposed on Balance Transfers and Cash Advances from the Transaction date and included in the 
average daily balance of Balance Transfers and Cash Advances at the applicable APR for Balance Transfers and Cash Advances 
until the date payment in full is posted to your Account. There is no grace period or time period within which to pay and avoid an 
interest charge on Balance Transfers and Cash Advances.  
The total interest charge for a Billing Cycle is the sum of the interest charges for Purchases, Balance Transfers and Cash 
Advances. To compute the periodic rate portion of interest charges for your Current Billing Cycle, we multiply the average daily 
balance of each type of your Transactions in the Current Billing Cycle by the applicable Daily Periodic Rates for that cycle. Fees 
for Cash Advances and International Transactions, if any, are added to and included in the total interest charges for your Current 
Billing Cycle. 

13. Fees. 
Annual Fee. Your Card has an annual fee of $79.00. The annual fee is waived, 1) the first year for all cardholders; 2) for Members 
of the Preferred Program (requires a combined account balance equal to or greater than $100,000) or Fifth Third Private Bank; or 
3) we communicated to you in writing that the annual fee would be waived permanently.
  
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a balance transfer fee
 
equal to the greater of $5 or 4% of the total dollar amount of the balance you are transferring from another account to your Account. 
Cash 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 
total dollar amount advanced for each Cash Advance on your Account.
 
Late 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
 
is $28, unless you incurred a late fee during any of the prior six billing cycles. If you did, the fee is $39. This fee will not exceed the 
amount permitted by law.
 
International Transaction Fee. None.
 
Expedited Card Delivery Fee. None.
 
Replacement Card Fee. None.
 
Convenience Check Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a convenience
 
check fee equal to the greater of $5 or 4% of the total dollar amount of each convenience check used. 

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We may institute a standard charge or charges for the issuance, reissuance or use of the Card or for the reinstatement of any
Card or Account privileges which have been suspended, as well as an annual fee and per item fee for each Transaction, and you
agree to pay us such charges and fees. 

14. Foreign Currency Transactions.
If a Transaction is made in a foreign currency, we and Mastercard will convert the Transaction into a U.S. dollar amount.
Mastercard will act in accordance with its operating regulations or conversion procedures in effect at the time the Transaction
is processed. Currently, its regulations and procedures provide that the currency conversion rate used is either: (1) a wholesale
market rate, or (2) a government-mandated rate in effect one day prior to the processing date. The currency conversion rate
calculated in this manner that is in effect on the processing date may differ from the rate in effect on the transaction date or the
posting date. 

15. Billing Errors. 
A statement of your right to dispute billing errors appears below. 

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE 
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What To Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at: 

Fifth Third Bank, Attn: Disputes Resolution Department,5050 Kingsley Drive, MD: 1MOC2G, Cincinnati, OH 45227. 
You 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). 
In your letter, give us the following information: 
• Account Information: Your name and Account number. 
• Dollar amount: The dollar amount of the suspected error. 
• 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 a mistake. 

You must contact us: 
• Within 60 days after the error appeared on your statement. 
• At least 3 Business Days before an automated payment is scheduled, if you want to stop payment on the amount you think

is wrong. 

You may notify us of potential errors in writing or by calling us. You may still be required to pay the amount(s) in question if the Bank
determines the transaction is not an error. If you believe fraud has occurred on your account, please call us as soon as possible at
800-782-0279. 
What Will Happen After We Receive Your Letter. 
When we receive your letter, we must do two things: 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already

corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
While we investigate whether or not there has been an error: 
• We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
• 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. 
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.

We 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
do not pay the amount we think you owe. 

If 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
to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you
the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been
settled between us. 
If 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. 
Your Rights If You Are Dissatisfied With Your Credit
Card Purchase. 
If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to
correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this
right, all of the following must be true: 
1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase
price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement
we mailed to you, or if we own the company that sold you the goods or services.) 

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2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM do not qualify. 
3. You must not yet have fully paid for the Purchase. 
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Fifth Third Bank, Attn:
Disputes Resolution Department, 5050 Kingsley Drive, MD 1MOC2G, Cincinnati, Ohio 45227. 
While we investigate, the same rules apply to the disputed amount as discussed above. 
After we finish our investigation, we will tell you our decision. At that point, if we think you owe us an amount and you do not pay,
we may report you as delinquent. 

GENERAL PROVISIONS 
16. Accepting this Agreement.
This Agreement will be effective on either the date you sign or otherwise submit an application for the Account that we approve
or the date you use, or someone you authorized uses, the Card or the Account, whichever is earlier. You agree that by using the
Account or the Card, signing a Card application or other Account document or otherwise accepting the Account or the Card, you
accept the terms and conditions of this Agreement. 

17. Promise to Pay. 
By using your Card or your Account, you promise to pay us for all Transactions made with your Card or on your Account, as well
as any fees, interest charges or other charges. If this is a joint Account, each of you, together and individually, is responsible for
all amounts owed, even if only one of you uses the Card or Account. 

18. Your Responsibility.
You are responsible for all Transactions and other amounts posted to your Account arising from the authorized use of your
Account or Card. If you have authorized another person to use your Account or Card in any way, we will deem your authorization
to include the authorization to make Transactions of any kind using your Account or Card and to incur related fees and charges.
We will also deem your authorization to continue until you revoke it by preventing that person from using your Account or Card.
We are not responsible for controlling any person whom you have asked us to add to your Account or someone you let use your
Account or Card. You should think carefully before allowing anyone to become an authorized user on your Account because you
are allowing that person to use the Account as you can. If you wish to remove that person’s ability to use your Account or Card,
you must notify us in writing. This notice will not be effective until we receive and have had a reasonable opportunity to act on it. 

OUR RIGHTS AND HOW THEY AFFECT YOU 
19. Delays in Enforcement. 
We can delay enforcing or not enforce any of our rights under this Agreement without losing our right to enforce them in the future.
For example, we may accept late payments or payments that are marked “payment in full” or with other restrictive endorsements
without losing any of our rights under this Agreement. 

20. Termination. 
Subject to Applicable Law, we may terminate this Agreement or revoke your right to use your Account or Card, along with your
right to make future Transactions, at any time and for any reason without notice to you. 
You or anyone you authorized to use the Card or Account may terminate your Account and use of your Card at any time by calling
us at 800-972-3030, or writing to us at Fifth Third Bank, 5050 Kingsley Drive, MD 1MOC2G, Cincinnati, Ohio 45227. Any request
to terminate your Account will be effective after we have had a reasonable opportunity to act on such request. The termination of
this Agreement, whether initiated by us or you, will not affect any of your or our rights and obligations under this Agreement. If this
Agreement is terminated, you must still repay any amounts you owe us, even if we allow a Transaction to be completed with your
Account or Card after this Agreement has been terminated. 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 is terminated. If someone attempts to use a Card after this Agreement is
terminated, the Card may be retained. A Card also may be retained when you try to use it when certain other events occur. 

21. Default. 
Subject to Applicable Law, your Account will be in default under this Agreement if any one of the following occurs:
(a) you become generally unable to pay your debts, (b) you die or are declared legally incompetent, (c) you use a check or
instrument for payment that is dishonored, (d) you fail to pay the Minimum Payment Due on or before your Payment Due Date,
(e) any other creditor tries by legal process to take money of yours in our possession, (f) a petition is filed or other proceeding is
commenced by or against you under the federal bankruptcy act or any other applicable federal or state insolvency laws, (g) you
provide us with any false or misleading information, (h) you breach any of your other obligations under this Agreement, (i) you
exceed your Account credit limit, (j) you are in default of any other credit agreement you have with us or any of our affiliates, or (k)
we believe in good faith that you may not pay or perform your obligations under this Agreement. The payment of any fee charged
by us will not cure the default that caused the fee. 

22. Our Additional Rights When You Are in Default.
If your Account is in default under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion of
your outstanding Account balance immediately, (b) allow you to repay your Account subject to the terms and conditions of this
Agreement, (c) immediately terminate your Account and cancel all Cards, (d) reduce your Account credit limit or otherwise limit
your ability to make Transactions as discussed in this Agreement, (e) commence a legal proceeding against you to collect all
amounts owed in connection with this Agreement, or (f) increase the APR for Purchases and Cash Advances. We also may charge
you court costs and reasonable attorneys’ fees that we actually incur, as permitted by Applicable Law, if your Account is sent for
collection to an attorney who is not our salaried employee. We will not be obligated to honor any attempted use of your Card or 

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your Account if your Account is in default, or we have decided to terminate your Account or limit your ability to make Transactions
as discussed in this Agreement. Except as otherwise provided for in this Agreement, interest charges will continue to accrue at
the APR in effect at the time of default until your total Account balance, including such accrued interest charges, is paid in full.
You agree that, subject to Applicable Law, if your Account is in default under this Agreement, you will accept calls from us at your
home and your place of business regarding collection of your Account. You understand and agree that the calls to your home
may be automatically dialed and a recorded message may be played. You agree such calls will not be considered “unsolicited”
calls or telemarketing calls for purposes of state or federal law. 

23. Reevaluation of Financial Condition and Credit History. 
We may reevaluate your financial condition and investigate any information you provided on your Account application at any
time. In the course of doing so, we may obtain a current credit report and ask you for additional information about your financial
condition by completing a Personal Financial Statement or such other form that we request from time to time. You give us your
permission to obtain any information about you that we believe would be beneficial to facilitate our determination of your eligibility
for the Account and the Card, including credit reports from consumer reporting agencies. We may, as a result of any such re­
evaluation, (i) increase your credit line; (ii) decrease your credit line; or (iii) deem your Account to be in default. 

24. Communicating With You: Consent to Contact By Electronic and Other Means. 
To the extent permitted by applicable law, you consent that we may contact you at any telephone number that you have given
to us, or any number we have for you in our records, including your cellular or other wireless device, to service your account or
for collection purposes. We have your permission to contact you by any means available, including by text message. You also
agree that we may contact you using prerecorded messages or automatic dialers. When we use the words “we” and “us” in this
paragraph, we are also referring to our affiliates, agents and service providers. If you give us an email address, you also consent
to our contacting you by email. 

25. Telephone Monitoring and Recording.
You acknowledge that your telephone calls and other communications you provide to us may be monitored and recorded for
training and quality control purposes. You agree that we may monitor, record, retain and reproduce your telephone calls and
any other communications you provide to us, regardless of how transmitted to us, as evidence of your authorization to act in
connection with any Transaction, your Account or other service contemplated by this Agreement. We will not be liable for any
losses or damages that are incurred as a result of these actions. We are not, however, under any obligation to monitor, record,
retain or reproduce such items, unless required to do so by Applicable Law. 

26. Arbitration. 
You and we each agree that any Claim will be arbitrated instead of litigated in court under the circumstances and procedures set
forth below. Any Claim will be resolved upon the election of arbitration by you or us pursuant to this provision and the American
Arbitration Association (AAA) Rules in effect at the time the Claim is filed. (If for any reason the AAA is unable or unwilling or
ceases to serve as arbitration administrator, another nationally recognized arbitration organization utilizing similar rules and
procedures will be substituted by us.) With respect to Claims covered by this provision, a party who has asserted a Claim in a
lawsuit in court may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other party or parties. 
IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO
LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY
EXCEPT AS PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. 
EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 
The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by visiting the AAA’s Web site at
www.adr.org. All Claims must be filed at any AAA office. 
There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration hearing that you attend will take
place in the federal judicial district in which you reside. At your written request, we will temporarily advance up to $500 towards
the filing, administrative and/or hearing fees for any Claim that you may file against us after you have paid an amount equivalent
to 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
conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, administrative and/
or hearing fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will bear the expense of that
party’s attorneys’, experts’ and witness fees, regardless of which party prevails in the arbitration. 
This provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration
Act (FAA), 9 U. S. C. §§ 1 et seq., as amended. The arbitrator will apply applicable substantive law consistent with the FAA and
applicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered by the
arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of
appeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal the award to
a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award requested by the
appealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne by the appealing
party regardless of the outcome of the appeal. As solely used in this provision, the terms we and us will for all purposes mean Fifth
Third Bank, all of its parents, wholly- or majority-owned subsidiaries, affiliates, predecessors, successors and assigns, and all of
their independent contractors, agents, employees, directors and representatives. 
This provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in connection
with this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or statute consistent with
the FAA, it will not invalidate the remaining portions of this arbitration provision or the Agreement. In the event of a conflict or
inconsistency between the AAA Rules and this arbitration provision, this provision will govern. 

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27. Changes to this Agreement. 
Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Card or
Account, by adding, deleting or modifying any provision (including increasing any rate of interest charge, increasing or adding
fees or charges (including annual fees), changing the method of computing balances subject to interest charge, changing your
Account credit limit, changing the date upon which interest charges begin to accrue, changing the Minimum Payment Due or
limiting the number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless
we are required by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case,
those changes will be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such
changes will apply to your outstanding Account balance on the effective date of the change and to any future balances created
after that date. If we give 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 date stated in a notice, or if you notify us but then use your Card or Account after the date stated in
the notice, you will be deemed to accept all changes in the notice and to accept and confirm all terms of your Agreement and all 
changes in prior notices we have sent you regardless of whether you have access to your Card or Account. If you reject a change
that we make, we will close your Account. No change to any term of this Agreement will affect your obligation to pay all amounts
you owe under this Agreement. 

28. Waiver of Rights. 
Except as may be prohibited by Applicable Law, you agree to waive any right you may have for us to act promptly in bringing any
action(s) against you (known as diligence); to demand payments of amounts due (known as presentment); to obtain an official
certification of non-payment (known as protest); and to give notice that amounts due will not be paid (known as notice of dishonor
or notice of default and non-payment). 

29. Change of Address.
We will rely on the address we have for you in our records for any Account communications we send to you unless and until either
you 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 your Account is a joint Account, each of you appoints the other as your agent to designate the address to which any and all
Account communications, including the Account Statement, may be sent to you. 

30. Correspondence. 
To the extent permitted by Applicable Law, any communication you send to us will not be effective until we receive it and have
had a reasonable opportunity to act on it. Any communication we send to you will, however, be effective and deemed delivered
when mailed to you at your address as it appears on our records. 

31. Assignment.
You may not sell, assign or transfer your Account or Card or any of your rights and obligations under this Agreement. We
may, however, sell, assign or transfer your Account, or any balance due thereunder, and our rights and obligations under this
Agreement to another entity without your consent and without prior notice. That entity will take our place in this Agreement. 

32. Severability. 
If any provision of this Agreement is deemed to be void or unenforceable by a court of competent jurisdiction, or any
governmental agency, that provision will continue to be enforceable to the extent permitted by that court or agency, and the
remainder of that provision will no longer be considered as part of this Agreement. All other provisions of this Agreement will,
however, remain in full force and effect. 

33. Governing Law.
This Agreement is entered into between you and us in the State of Ohio, and your Card, Account and this Agreement, and any
claim, dispute or controversy arising from or relating to your Card, Account or this Agreement, whether based in contract, tort, fraud
or otherwise and regardless of the place where you live, is governed by, and construed in accordance with, the laws of the State
of Ohio, without regard to Ohio’s conflict of laws principles, and applicable federal laws and regulations. The legality, enforceability
and interpretation of this Agreement and the amounts contracted for under this Agreement also are governed by Ohio law and
applicable provisions of federal law, and all amounts granted under this Agreement are extended from the State of Ohio. 

34. Entire Agreement. 
You acknowledge that this Agreement, as amended from time to time, and the documents accompanying your Card, which
are incorporated by reference into this Agreement, make up the entire agreement between you and us and supersedes and
may not be contradicted by evidence of any prior or contemporaneous written or oral communications and understandings
between you and us concerning the Card and Account. Neither you nor we intend that anything in this Agreement should result
in the assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or charge assessed under
this Agreement is finally determined to be in excess of that permitted by Applicable Law, the excess amount will be applied to
reduce the outstanding balance in your Account or, if there is no outstanding balance, will be refunded to you. You agree that any
documentation provided to you that indicates that a Transaction was made shall be admissible as evidence of such Transaction
and shall be proof that such transaction or transfer was made. 

35. Questions. 
If you have any questions about this Agreement or your Card or Account, please contact us at 800-972-3030. 

36. Section Headings. 
The Section headings used in this Agreement are only meant to organize this Agreement, and do not in any way limit or define
your or our rights or obligations hereunder. 

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READY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND TRANSFER AND ELECTRONIC BANKING SERVICES 
37. Ready Reserve Overdraft Protection. You may set up this Account to cover overdrafts on your checking Account. If you
do, then the terms of this Agreement and the Rules and Regulations Applicable to All Fifth Third Bank Consumer and Business
Banking Accounts and Cards will apply. For purposes of this Agreement, Ready Reserve Overdraft Protection transactions will be
treated as Cash Advances, subject to the Cash Advance APR. If you enroll in Ready Reserve Overdraft Protection, you may use
your credit card to withdraw from your checking account at an ATM by entering your PIN and selecting withdraw from checking
when prompted. 
38. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking Services. If you use your Card as an ATM card,
the terms of this Agreement and your checking account agreement titled, Rules and Regulations Applicable to All Fifth Third Bank
Consumer and Business Banking Accounts and Cards, will apply. 

Fifth Third Bank, Member FDIC. 

F03-S913-1-0719
 
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