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                    FIFTH THIRD BANK CARD AGREEMENT for MasterCard  and Visa
    FTCITERM 653461                  September 1, 2011
    This Agreement governs the terms and conditions of your Account. You should retain and  Monthly Periodic Rate: The periodic rate that applies to certain Transactions calculated on 
    carefully review this entire Agreement. You and we agree as follows: a monthly basis.
                                            New Balance: The new balance on your Account shown on the front of your 
    We give this Agreement to our customers when they are approved for an Account, or when they  Account Statement.
    request it. By opening an Account and making Transactions, you agree to use this Account only for  Payment Address: The remittance address indicated on the front of your 
    personal, family or household purposes and to comply with this entire Agreement. Unless otherwise  Account Statement.
    speci?ed, the words you, your and yours mean anyone who applied to us for an Account and  Payment Due Date: The date shown on the front of your Account Statement by which we 
    whose application we have approved, and who uses the Account with your permission. The words  must receive payment for the Billing Cycle.
    we, our, us and Fifth Third mean Fifth Third Bank and its successors and assigns. PIN: Personal identi?cation number.
                                            POS: Point of sale.
    DEFINITIONS                             Purchase: A purchase or lease of goods or services made with your Card or your Account.
                                            Ready Reserve: An optional feature of your Account whereby you may link a checking 
    AAA: The American Arbitration Association.
                                              account to your Account to cover overdrafts on the checking account.
    AAA Rules: The AAA Rules and Procedures.
                                            Secured Bank Account: If you have a Secured/Good Neighbor Card or Secured 
    Account: Unless the context provides otherwise, your credit card account that you can access 
                                              MasterCard, your savings account with us that you have designated to secure repayment of 
     with your Gold MasterCard, Platinum MasterCard, Platinum Prime MasterCard, Cash Rewards 
                                              your Account.
     MasterCard, Real Life Rewards Credit Card, Nashville Predators Credit Card, Columbus Zoo 
                                            Transaction: A Purchase or a Cash Advance.
     and Aquarium Credit Card, Select Fixed Rate MasterCard, Select Variable Rate MasterCard, 
                                            U.S.: United States.
     Secured/Good Neighbor MasterCard, Secured MasterCard, VISA Gold, VISA Platinum, Select 
                                            Visa: Visa International.
     Fixed Rate VISA, Select Variable Rate VISA, and Secured/Good Neighbor VISA card.
                                            WSJ Prime Rate: The highest prime rate published in the �Money Rates� section of the 
    Account Statement: The periodic statement we mail to you in connection 
                                             online version of The Wall Street Journal.
     with your Account.
    Agreement: This Fifth Third Bank Card Agreement for MasterCard and Visa.
                                            HOw TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
    Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations, 
     licensing requirements, regulatory bulletins or guidance, regulatory examinations, agreements  1. Card Transactions, Purchases and Cash Advances. You may use your Account 
     or orders, (b) rule, regulation, restriction, requirement or contractual term of Visa, MasterCard or  and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your 
     other card network, and (c) judicial or administrative interpretations of any of the foregoing. Account number to participating merchants and establishments where the Card is honored. We 
    APR: Annual percentage rate.            will also treat as a Cash Advance any transaction using Ready Reserve.  
    ATM: Automated teller machine.
    Available Credit Limit: The difference between the balances you owe us and your Account  You may also use your Card to transfer balances from other creditors, to make other 
     credit limit.                          transactions by means of balance transfer coupons or checks, or for any other transactions that 
    Bank Account: If you use your Card as an ATM card, your savings or checking account that  we encourage you to make through an introductory or promotional offer, in accordance with 
     you maintain with us primarily for personal, household or family purposes and designate for  the additional terms and conditions that we may offer from time to time. Unless we tell you 
     use with your Card.                    otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 
    Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is 
     approximately one month long.          You agree that any debt incurred using your Account or your Card is valid, regardless of the 
    Business Day: Monday through Friday, excluding holidays. purpose of the Transaction.
    Card: Unless the context provides otherwise, each Gold, Platinum, Select, Secured/Good 
     Neighbor and Secured MasterCard and VISA card that we issue on your Account. Purchases from a merchant that are directly convertible to cash (sometimes called �quasi-cash� 
    Cash Advance: A transaction in which you (a) use your Card to get cash from an ATM;  transactions), such as purchases of casino gaming chips, money orders, wire transfer services, 
     (b) present your Card to any bank or other person that accepts the Card to get cash or  travelers cheques or foreign currency, may not be permitted with your Card. You may not use 
     cash-like equivalents (for example, money orders, traveler�s checks or other payment  your Card or your Account for any illegal transaction or any gambling transaction. We reserve 
     instruments) from your Account; (c) use a Convenience Check or access Ready Reserve,   the right to decline any such transaction without notice.
     or (d) use your Card or your Account number to make a person-to-person transfer conducted 
     through the Internet or otherwise.     Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
    Claim: Any claim, dispute or controversy between you and us arising from or relating to this  dollar amounts of any Transactions, even if you have suf?cient available credit. We may also 
     Agreement, any prior agreement that you may have had with us or the relationships resulting  terminate or suspend your use of your Account and Card and access to your Account without 
     from the Agreement or any prior agreement, including the validity, enforceability or scope of  notice unless prohibited by Applicable Law.
     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- 2. Credit Limit. We may establish an Account credit limit. You agree not to let the sum 
     party claims and claims based upon contract, tort, fraud and other intentional torts, statute,  of all Transactions posted to your Account, plus any ?nance charges, fees and other charges 
     common law and equity. The term Claim is to be given the broadest possible meaning and  provided for in this Agreement, exceed your Account credit limit as communicated to you  
     includes, by way of example and without limitation, any claim, dispute or controversy that  from time to time. 
     arises from or relates to (a) the Account created by the Agreement or any prior agreement or 
     any balances on the Account, (b) advertisements, promotions or oral or written statements  Your initial Account credit limit will be disclosed in the document that accompanies your Card. 
     related to the Account or the terms of ?nancing, and (c) your use of the Account. Your Account Statement may also show that only part of your Account credit limit may be used 
    Convenience Check: A check that may be used to access your Account. for Cash Advances. 
    Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt 
     protection product that may be made available to you for purchase. Cash Advances, including Convenience Checks and Ready Reserve transactions, are charged 
    Current Billing Cycle: A Billing Cycle that just ended. against your Cash Advance credit limit. Unless we inform you otherwise, your Cash Advance 
    EFT: Electronic funds transfer.         credit limit will be up to 50% of your total Account credit limit.
    FAA: Federal Arbitration Act.
    Foreign Transaction: A Transaction that occurs or is submitted to us from outside the United  We may refuse to authorize or accept any Transaction on your Account or Card that would cause 
     States or in a foreign currency.       you to exceed your Available Credit Limit. If we, in our sole discretion, decide to authorize or 
    International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or  accept a Transaction on your Account or Card that would exceed your Available Credit Limit, 
     in a foreign currency.                 we will not be liable to you if we do. Subject to Applicable Law, we may charge to and deduct 
    MasterCard: MasterCard International.   from your Account the amount of the Transaction and other related fees provided for in this 
    Minimum Amount Due: The minimum amount you must pay by the Payment Due Date  Agreement. We may also request that you immediately repay us the amount in excess of your 
     shown on the front of your Account Statement. Available Credit Limit, suspend your Account or Card privileges and terminate this Agreement. 
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    3. Secured/Good Neighbor Cards and Secured MasterCards. If you have applied  7. Third-Party Claims or Defenses. We are not responsible if a third party refuses 
    and been approved for a Secured/Good Neighbor Card or a Secured MasterCard, you have  to accept or honor your Card or Account, even if you have suf?cient available credit. Except 
    granted us a security interest in the funds, including any funds deposited following the effective  as required by Applicable Law, we will not be responsible for any claim or defense you may 
    date of this Agreement, in your Secured Bank Account. You acknowledge that you speci?cally  have against any third party that arises out of or in connection with any Transaction with your 
    intended to grant us the security interest in all funds in the Secured Bank Account, that this  Account or Card or any services or goods or other property purchased or leased using your 
    security interest is an express condition for your Account and that funds in your Secured Bank  Account or Card.
    Account must remain on deposit during the term of this Agreement in accordance with the 
    separate Secured Bank Account disclosure provided to you in the application you completed. You  PAYING YOUR BILLS
    agree to sign all applications and documents that we may request from time to time that show 
                                            8. Periodic Account Statements. Except as otherwise stated in this Agreement, we will 
    that you have granted and assigned to us the security interest in the Secured Bank Account.
                                            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.
    If you do not pay your Account balance or you or we decide to close your Account for any 
    reason, you authorize us to apply all of the funds in the Secured Bank Account to your 
                                            We will send your Account Statement for each Billing Cycle at the end of which your Account 
    outstanding Account balance. If the outstanding Account balance exceeds the amount of funds 
                                            has a debit or credit balance in excess of $1.00 or on which a ?nance charge has been 
    in your Secured Bank Account, you will remain liable for any outstanding Account balances, 
                                            imposed. Generally, you will receive 12 Account Statements each year your Account is open.  
    including all fees or charges that may subsequently be charged to the Account, until the Account 
                                            We will not send your Account Statement if (a) we deem your Account uncollectible,  
    balance is paid in full.
                                            (b) delinquency collection proceedings have been instituted, or (c) for any other reason 
                                            permitted by Applicable Law. 
    We will release our security interest in the Secured Bank Account and our hold on the funds 
    in the Secured Bank Account within 90 days after the Secured MasterCard is closed and the 
                                            9. Payments. Your payment is due on or before the Payment Due Date shown on your 
    Account balance is paid in full.
                                            Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
                                            Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance, 
    4. Convenience Checks. We may issue Convenience Checks to you, which may be used 
                                            (b) 0.5% of the New Balance plus total billed ?nance charges and any fees, or (c) $25.00. 
    to access your Account. We will treat any Convenience Check issued to you that we pay as a 
                                            Any New Balance less than $25 is payable in full. The Minimum Amount Due shown on your 
    Cash Advance (except for a Convenience Check issued to you as part of a promotional offer 
                                            Account Statement will also include any amount past due and any amount by which your 
    which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the 
                                            Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
    amount of the Convenience Check from your Cash Advance credit limit. Each Convenience Check 
                                            instrument drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money 
    must be denominated in U.S. dollars and completed and signed by you in the same manner 
                                            order. Payments must be denominated in U.S. dollars.
    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 
                                            All payments submitted by mail, except disputed payments, must be mailed or delivered to us 
    will not honor, a stop payment on any Convenience Check. We reserve the right to return any 
                                            at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on any Business 
    Convenience Check unpaid if (a) the amount of the Convenience Check exceeds your Cash 
                                            Day will be credited on the next Business Day. Credit to your Account may be delayed for up to 
    Advance credit limit; (b) your Account is not in good standing or you are otherwise in default of 
                                            5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. dollars 
    this Agreement; (c) your Card or Convenience Checks have been reported lost or stolen or your 
                                            drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money order, or (c) 
    Account may have been subject to unauthorized use; (d) you use a Convenience Check to pay 
                                            not accompanied by the top portion of your Account Statement. Delayed crediting may cause 
    any amount you owe on your Account; or (e) for any other reason. We will not be liable if we 
                                            you to incur additional fees and ?nance charges. (You understand that payments submitted by 
    choose to return any Convenience Check unpaid.
                                            mail may not be made, and may not be deemed received by us, at any location other than the 
                                            Payment Address.) All credits for payments to your Account are subject to ?nal payment by the 
    LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER CONCERNS
                                            institution on which the item of payment was drawn. 
    5. Unauthorized Use of Your Account or Card. If you notice the loss or theft of your 
    Card or a possible unauthorized use of your Card or Account, you should write to us immediately  Although we may post payments as of the date we receive them, your Available Credit Limit 
    at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263 or call us  may not be restored for up to 7 days after we receive your payment. If the Minimum Amount 
    at: 1-800-782-0279. We may still require you to provide notice in writing.  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 
    YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD  Minimum Amount Due. 
    OF YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft 
    or possible unauthorized use of your Account or Card, we may require you to provide us  Payments on your Account that exceed the Minimum Amount Due will be allocated ?rst to 
    information in writing or other assistance to help us ?nd out what happened. We may also  the Account balance with the highest APR, and then to each consecutive Account balance 
    require you to comply with certain procedures in connection with our investigation. Unless  bearing the next highest APR, at the time payment is posted to your Account. Payments on 
    prohibited by Applicable Law, we will deem any such use as having been authorized by you,  your Account that do not exceed the Minimum Amount Due will be applied in the following 
    and you will be liable for the amount of any Transactions plus ?nance charges and fees and  order: ?nance charges, fees, any applicable installment balance minimum amount due that is 
    other charges incurred with any such use, if you fail to provide us with any such information  calculated separately from the Minimum Amount Due, the Account balance with the lowest APR, 
    or assistance or to comply with such procedures. Unauthorized Card or Account use does not  then to each consecutive Account balance bearing the next lowest APR at the time payment is 
    include use of your Card or your Account by any person you have authorized to use your Card  posted to your Account.
    or Account. 
                                            We may, in our sole discretion, offer you the ability to make your payments on an expedited 
    6. Limitation of Your Liability. You will not be liable for any unauthorized use that  basis. When you authorize us to process an expedited payment to your Account, we may 
    occurs after you notify us. You may, however, be liable for unauthorized use that occurs before  charge you a fee. The amount of the fee will be disclosed to you at the time of the payment. 
    your notice to us. In any case, your liability will not exceed $50. You will have no liability  We are not responsible if your ?nancial institution dishonors an expedited payment for any 
    for unauthorized use of your Card for transactions if (a) you have exercised reasonable care  reason, and we will retain the fee in those circumstances.
    in safeguarding the Card from risk of loss or theft; (b) you have not reported two or more 
    incidents of unauthorized use to us in the preceding 12 months; and (c) your Account is in good  10. Prepayment. You may pay without penalty any portion of the entire New Balance or 
    standing. This section does not apply when a PIN is used as your identi?cation method. more than your Minimum Amount 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 
    Zero liability does not apply to MasterCard-branded cards issued to an entity other than a natural  Minimum Payment Due in successive Billing Cycles as re?ected in your Account Statement.
    person; primarily for business, commercial or agricultural purposes, except small business 
    �Debit MasterCard BusinessCard�, �MasterCard BusinessCard�, �Debit MasterCard Professional  DETERMINATION OF FINANCE CHARGES
    Card� and �MasterCard Professional Card�; outside the U.S. region; or if a PIN is used as the 
                                            11. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing the 
    cardholder veri?cation method for the unauthorized transaction(s). Cardholder must meet these 
                                            applicable APR by 12. 
    three conditions: 1. The cardholder must have exercised reasonable care in safeguarding his 
    or her card from risk of loss or theft; 2. The cardholder must not have reported two or more 
                                            12. Minimum Finance Charge. If you incur ?nance charges in any Billing Cycle that total 
    incidents of unauthorized use within the preceding 12 months; 3. The account must be in good 
                                            less than $1.00, the ?nance charge that will be charged to your Account is $1.00.
    standing. Visit MasterCard�s Zero Liability link at www.mastercard.com.
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    13. APR.                                APR), but only if you bring your Account current (if applicable), and then for six (6) consecutive 
    (a) All Cards Other Than Secured/Good Neighbor Card and Select Fixed Rate MasterCards and  Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date and do not 
    VISA Cards. If your Card is a Card other than a Secured/Good Neighbor MasterCard, Secured/ exceed your Account credit limit. Any other variable or ?xed APR that would otherwise apply to 
    Good Neighbor VISA, Select Fixed Rate MasterCard or Select Fixed Rate VISA, the following  new Account balances will change to this penalty APR.
    information applies to your Account:
    APR for Purchases and Cash Advances. Documents accompanying your Card, which  14. Balance Subject to Finance Charge and Finance Charges.
    are incorporated by reference into this Agreement, disclose the APR for Purchases and Cash  (a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/
    Advances in effect when your Account is opened.  Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of 
    Variable APR for Purchases. If the APR for Purchases is a variable rate based on the  computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash 
    WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable  Advances for the purpose of computing the average daily balance for Cash Advances. We 
    margin for those Transactions to the WSJ Prime Rate. (A �margin� is the percentage we add  calculate the balances of Purchases that are subject to a ?nance charge separately, based on 
    to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease),  the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
    but will not exceed 24.99% (corresponding Monthly Periodic Rate of 2.0825%). Any  balance of Cash Advances that is subject to a ?nance charge separately, based on the average 
    increase or decrease in the WSJ Prime Rate will result in an increase or decrease in your  daily balance of those Cash Advances in the Current Billing Cycle. To determine the average 
    Monthly Periodic Rate and the APR, and as a result, the ?nance charge and the Minimum  daily balance for each type of Transaction (that is, Purchases and Cash Advances) during the 
    Amount Due will change and may result in a smaller part of your payment being applied to  Current Billing Cycle, we take the beginning balance of each type of Transaction each day, add 
    reduce principal. We determine the WSJ Prime Rate two days prior to the closing date  any new Transactions of that type, and subtract any payments or credits applied to that type 
    of your Billing Cycle. Changes to the Monthly Periodic Rate and corresponding APR for  of Transaction that day. This gives us the daily balance for that type of Transaction. The daily 
    Purchases will be applied to your existing Account balance and to subsequent Transactions  balance for each type of Transaction is considered to be $0 for any day on which those portions 
                                            of your Account have a credit balance. Then, we add all of the daily balances for the Current  effective as of the ?rst day of the Billing Cycle in which we determine the interest rate. If 
                                            Billing Cycle and divide the total by the number of days in the Current Billing Cycle. This gives 
    The Wall Street Journal does not publish the prime rate, or if it changes the de?nition of 
                                            us an average daily balance of each type of Transaction for your Current Billing Cycle.
    prime rate, we may, at our sole discretion, substitute another index. 
                                            (b) Finance Charges. No ?nance charges (other than International Transaction Fees) will be 
    (b) Secured/Good Neighbor Card and Select Fixed Rate MasterCards and VISA Cards. If your 
                                            imposed on Purchases if you pay in full the New Balance shown on the Account Statement for 
    Card is a Secured/Good Neighbor MasterCard, Secured/Good Neighbor VISA Card, Select 
                                            your Current Billing Cycle by the Payment Due Date. If you have not done so, a ?nance charge 
    Fixed Rate MasterCard or Select Fixed Rate VISA Card, a ?xed Monthly Periodic Rate and 
                                            will accrue from the transaction date on Purchases at the applicable APR for Purchases until the 
    corresponding APR will apply to all Transactions. Documents accompanying your Card, which 
                                            date payment in full is posted to your Account.
    are incorporated by reference into this Agreement, disclose the ?xed APRs in effect when your 
    Account is opened. 
                                            A ?nance charge will be imposed on Cash Advances from the Transaction date and included in 
    (c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic Rate and 
                                            the average daily balance of Cash Advances at the applicable APR for Cash Advances until the 
    corresponding APR for Purchases and Cash Advances if you are in default of this Agreement, 
                                            date payment in full is posted to your Account. There is no grace period or time period within 
    or if we, in our sole discretion and from time to time, decide to take such action. (Please see 
                                            which to pay and avoid a ?nance charge on Cash Advances.
    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.�)
                                            The total ?nance charge for a Billing Cycle is the sum of the ?nance charges for Purchases and 
    (d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we 
                                            Cash Advances. To compute the periodic rate portion of ?nance charges for your Current Billing 
    may offer you an introductory or promotional APR for all or a part of your Transactions. For 
                                            Cycle, we multiply the average daily balance of each type of your Transactions in the Current 
    example, we may offer you a promotional APR to encourage speci?c transactions, such as 
                                            Billing Cycle by the applicable Monthly Periodic Rates for that cycle. Fees for Cash Advances and 
    transferring balances from accounts you have with others, or an introductory APR for Purchases 
                                            International Transactions, if any, are added to and included in the total ?nance charges for your 
    when you open an Account. The period of time for which the introductory or promotional APR 
                                            Current Billing Cycle.
    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 
                                            15. Fees.
    introductory or promotional APRs and the period of time during which they are in effect in the 
                                            Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    document that accompanies your Card or in materials we send you about the offer after you 
                                            charge in the form of a balance transfer fee equal to the greater of $5.00 or 4% of the 
    obtain your Card. If (i) we receive a Minimum Amount Due after its Payment Due Date; (ii) 
                                            total dollar amount of the balance you are transferring from another account to your Account.
    your total outstanding balance exceeds your Account credit limit on the closing date of a Billing 
                                            Annual Fee. Certain cards have an annual fee. If your Card has an annual fee, the amount 
    Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used 
                                            of the annual fee is disclosed in the application for your Account and also will be disclosed in 
    for payment on your Account has been returned to us unpaid for any reason, (B) we must 
                                            the document that accompanies your Card. This fee is assessed for the use of the Account and 
    return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a 
                                            associated services, and will be identi?ed as a fee on your Account Statement in the ?rst Billing 
    Convenience Check used to access your Account is not honored for any reason, we may adjust 
                                            Cycle after you open your Account and annually thereafter.
    the APR to the APR then in effect or the penalty APR, as applicable.
                                            Cash Advance Fee. We will assess a ?nance charge in the form of a Cash Advance fee 
    (e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
                                            equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
    reserve the right to increase the APR to 24.99% (corresponding Monthly Periodic Rate of 
                                            on your Account.
    2.0825%) on all new and outstanding Account balances each time we do not receive at least 
                                            Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
    the Minimum Amount Due within 60 days of its Payment Due Date, including when we do not 
                                            Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
    receive the Minimum Amount Due because a check, similar instrument or electronic payment 
                                            make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing 
    order that we receive as payment on your Account has been returned to us unpaid for any 
                                            Cycles.  In any event, the late payment fee will not be greater than your Minimum Amount Due 
    reason, or we must return a check or other instrument because it is not signed or is otherwise 
                                            for the Billing Cycle for which your payment was late.
    incomplete. Once you become subject to this penalty APR, we may change your APR for 
                                            International Transaction Fee. There is a ?nance charge in the form of a transaction 
    outstanding balances back to the respective APRs in effect for your Account (not including any 
                                            fee equal to 3% of the U.S. dollar amount of each Foreign Transaction. This fee will be in 
    promotional APR), but only if you bring your Account current and then, for six (6) consecutive 
                                            addition to any other applicable transaction fees.
    Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other 
                                            Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of 
    variable or ?xed APR that would otherwise apply to new and outstanding Account balances will 
                                            your Card is expedited.
    change to this penalty APR. 
                                            Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
    (f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase 
                                            Card at your request.
    the APR to 24.99% (corresponding Monthly Periodic Rate of 2.0825%) on all new 
                                            Convenience Check Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    Transactions on your Account that occur more than 14 days after we send you notice of the 
                                            charge in the form of a convenience check fee equal to the greater of $5 or 4% of the total 
    increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date but 
                                            dollar amount of each convenience check used.
    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 
                                            We may institute a standard charge or charges for the issuance, reissuance or use of the Card or 
    or electronic payment order that you have used for payment on your Account has been returned 
                                            for the reinstatement of any Card or Account privileges which have been suspended, as well as an 
    to us unpaid for any reason, (B) we must return a check or other instrument because it is not 
                                            annual fee and per item fee for each Transaction, and you agree to pay us such charges and fees.
    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 
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    16. Foreign Currency Transactions. If a Transaction is made in a foreign currency, we  GENERAL PROVISIONS
    and MasterCard or Visa, depending on which Card is used, will convert the Transaction into a 
                                            18. Accepting this Agreement. This Agreement will be effective on either the date 
    U.S. dollar amount. MasterCard and Visa will act in accordance with their operating regulations 
                                            you sign or otherwise submit an application for the Account that we approve or the date you 
    or conversion procedures in effect at the time the Transaction is processed. Currently, their 
                                            use, or someone you authorized uses, the Card or the Account, whichever is earlier. You agree 
    regulations and procedures provide that the currency conversion rate used is either: (1) a 
                                            that by using the Account or the Card, signing an Account application or other Account document 
    wholesale market rate, or (2) a government-mandated rate in effect one day prior to the 
                                            or otherwise accepting the Account or the Card, you accept the terms and conditions of  
    processing date. The currency conversion rate calculated in this manner that is in effect on the 
                                            this Agreement.
    processing date may differ from the rate in effect on the transaction date or the posting date.
                                            19. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
    17. Billing Errors. A statement of your right to dispute billing errors appears below.
                                            Transactions made on your Account, as well as any fees, ?nance charges or other charges.   
                                            If this is a joint account, each of you, together and individually, is responsible for all amounts 
    YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE
                                            owed, even if only one of you uses the Account.
    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  20. Your Responsibility. You are responsible for all Transactions and other amounts 
    statement, write to us at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza,   posted to your Account arising from the authorized use of your Account or Card. If you 
    Cincinnati, Ohio 45263                  have authorized another person to use your Account or Card in any way, we will deem your 
    In your letter, give us the following information: authorization to include the authorization to make Transactions of any kind using your Account 
    �  Account Information: Your name and Account number. or Card and to incur related fees and charges. We will also deem your authorization to continue 
    �  Dollar amount: The dollar amount of the suspected error. until you revoke it by preventing that person from using your Account or Card. We are not 
    �  Description of Problem: If you think there is an error on your bill, describe what you believe is  responsible for controlling any person whom you have asked us to add to your Account or 
     wrong and why you believe it is a mistake. someone you let use your Account or Card. You should think carefully before allowing anyone 
    You must contact us:                    to become an authorized user on your Account because you are allowing that person to use the 
    �  Within 60 days after the error appeared on your statement. Account as you can. If you wish to remove that person�s ability to use your Account or Card, 
    �  At least 3 Business Days before an automated payment is scheduled, if you want to stop  you must notify us in writing. This notice will not be effective until we receive and have had a 
     payment on the amount you think is wrong. reasonable opportunity to act on it.
    You must notify us of any potential errors in writing. You may call us, but if you do, we are not 
    required to investigate any potential errors and you may have to pay the amount in question. OUR RIGHTS AND HOw THEY AFFECT YOU
    What Will Happen After We Receive Your Letter. 
                                            21. Delays in Enforcement. We can delay enforcing or not enforce any of our rights 
    When we receive your letter, we must do two things:
                                            under this Agreement without losing our right to enforce them in the future. For example, 
    1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will 
                                            we may accept late payments or payments that are marked �payment in full� or with other 
     also tell you if we have already corrected the error.
                                            restrictive endorsements without losing any of our rights under this Agreement.
    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.
                                            22. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
    While we investigate whether or not there has been an error:
                                            your right to use your Account or Card, along with your right to make future Transactions, at 
    �  We cannot try to collect the amount in question, or report you as delinquent on that amount.
                                            any time and for any reason without notice to you. You or anyone you authorized to use the 
    �  The charge in question may remain on your statement, and we may continue to charge you 
                                            Card or Account may terminate your Account and use of your Card at any time by calling us 
     interest on that amount.
                                            at 1-800-972-3030, or writing to us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square 
    �  While you do not have to pay the amount in question, you are responsible for the remainder 
                                            Plaza, Cincinnati, Ohio 45263. Any request to terminate your Account will be effective after we 
     of your balance.
                                            have had a reasonable opportunity to act on such request. The termination of this Agreement, 
    �  We can apply any unpaid amount against your credit limit.
                                            whether initiated by us or you, will not affect any of your or our rights and obligations under 
    After we ?nish our investigation, one of two things will happen:
                                            this Agreement. If this Agreement is terminated, you must still repay any amounts you owe us, 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or 
                                            even if we allow a Transaction to be completed with your Account or Card after this Agreement 
     other fees related to that amount.
                                            has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
    �  If we do not believe there was a mistake: You will have to pay the amount in question, 
                                            Account when we ask you to or when this Agreement is terminated. If someone attempts to 
     along with applicable interest and fees. We will send you a statement of the amount you 
                                            use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
     owe and the date payment is due. We may then report you as delinquent if you do not pay 
                                            retained when you try to use it when certain other events occur.
     the amount we think you owe.
    If you receive our explanation but still believe your bill is wrong, you must write to us within 
                                            23. Default. Subject to Applicable Law, your Account will be in default under this Agreement 
    10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
                                            if any one of the following occurs: (a) you become generally unable to pay your debts, (b) you 
    without also reporting that you are questioning your bill. We must tell you the name of anyone 
                                            die or are declared legally incompetent, (c) you use a check or instrument for payment that 
    to whom we reported you as delinquent, and we must let those organizations know when the 
                                            is dishonored, (d) you fail to pay the Minimum Amount Due on or before your Payment Due 
    matter has been settled between us.
                                            Date, (e) any other creditor tries by legal process to take money of yours in our possession, 
    If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the amount 
                                            (f) a petition is ?led or other proceeding is commenced by or against you under the federal 
    you question, even if your bill is correct.
                                            bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us 
    Your Rights If You Are Dissatis?ed With Your Card Purchase. If you are dissatis?ed with the 
                                            with any false or misleading information, (h) you breach any of your other obligations under 
    goods or services that you have purchased with your Card, and you have tried in good faith 
                                            this Agreement, (i) you exceed your Account credit limit, (j) you are in default of any other 
    to correct the problem with the merchant, you may have the right not to pay the remaining 
                                            credit agreement you have with us or any of our af?liates, or (k) we believe in good faith that 
    amount due on the Purchase. To use this right, all of the following must be true:
                                            you may not pay or perform your obligations under this Agreement. The payment of any fee 
    1. The Purchase must have been made in your home state or within 100 miles of your current 
                                            charged by us will not cure the default that caused the fee.
     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 
                                            24. Our Additional Rights when You Are in Default. If your Account is in default 
     we own the company that sold you the goods or services.)
                                            under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion of 
    2. You must have used your Card for the Purchase. Purchases made with Cash Advances from 
                                            your outstanding Account balance immediately, (b) allow you to repay your Account subject to 
     an ATM do not qualify.
                                            the terms and conditions of this Agreement, (c) immediately terminate your Account and cancel 
    3. You must not yet have fully paid for the Purchase.
                                            all Cards, (d) reduce your Account credit limit or otherwise limit your ability to make Transactions 
    If all of the criteria above are met and you are still dissatis?ed with the Purchase, contact us in 
                                            as discussed in this Agreement, (e) commence a legal proceeding against you to collect all 
    writing at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263.
                                            amounts owed in connection with this Agreement, or (f) increase the APR for Purchases and 
    While we investigate, the same rules apply to the disputed amount as discussed above.  
                                            Cash Advances. We also may charge you court costs and reasonable attorneys� fees that we 
    After we ?nish our investigation, we will tell you our decision. At that point, if we think you owe 
                                            actually incur, as permitted by Applicable Law, if your Account is sent for collection to an attorney 
    us an amount and you do not pay, we may report you as delinquent.   
                                            who is not our salaried employee. We will not be obligated to honor any attempted use of your 
                                            Card or 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 
                                           4
    provided for in this Agreement, ?nance charges will continue to accrue at the APR in effect at the 
    time of default until your total Account balance, including such accrued ?nance charges, is paid in  This provision will survive termination of your Account, as well as the repayment of all 
    full. You agree that, subject to Applicable Law, if your Account is in default under this Agreement,  outstanding amounts incurred in connection with this Agreement. If any portion of this provision 
    you will accept calls from us at your home and your place of business regarding collection of your  is deemed invalid or unenforceable under any law or statute consistent with the FAA, it will not 
    Account. You understand and agree that the calls to your home may be automatically dialed and  invalidate the remaining portions of this arbitration provision or the Agreement. In the event of 
    a recorded message may be played. You agree such calls will not be considered �unsolicited�  a con?ict or inconsistency between the AAA Rules and this arbitration provision, this provision 
    calls or telemarketing calls for purposes of state or federal law. will govern.
    25. Reevaluation of Financial Condition and Credit History. We may reevaluate  28. Changes to this Agreement. Subject to Applicable Law, we can change this 
    your ?nancial condition and investigate any information you provided on your Account  Agreement at any time, regardless of whether you have access to your Account, by adding, 
    application at any time. In the course of doing so, we may obtain a current credit report and  deleting or modifying any provision (including increasing any rate of ?nance charge, increasing 
    ask you for additional information about your ?nancial condition by completing a Personal  or adding fees or charges (including annual fees), changing the method of computing balances 
    Financial Statement or such other form that we request from time to time. You give us your  subject to ?nance charge, changing your Account credit limit, changing the date upon which 
    permission to obtain any information about you that we believe would be bene?cial to facilitate  ?nance charges begin to accrue, changing the Minimum Amount Due or limiting the number 
    our determination of your eligibility for the Account and the Card, including credit reports from  or amount of Transactions on your Account). Any such changes will generally be effective 
    consumer reporting agencies. We may, as a result of any such re-evaluation, deem your Account  immediately unless we are required by Applicable Law to provide you with advance written 
    to be in default.                       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 
    26. Telephone Monitoring and Recording. You acknowledge that your telephone  will apply to your outstanding Account balance on the effective date of the change and to any 
    calls and other communications you provide to us may be monitored and recorded for training  future balances created after that date. If we give you the right to reject a change (whether 
    and quality control purposes. You agree that we may monitor, record, retain and reproduce  because it is required by Applicable Law or otherwise), and you do not notify us by the date 
    your telephone calls and any other communications you provide to us, regardless of how  stated in a notice, or if you notify us but then use your Account after the date stated in the 
    transmitted to us, as evidence of your authorization to act in connection with any Transaction,  notice, you will be deemed to accept all changes in the notice and to accept and con?rm 
    your Account or other service contemplated by this Agreement. We will not be liable for any  all terms of your Agreement and all changes in prior notices we have sent you regardless of 
    losses or damages that are incurred as a result of these actions. We are not, however, under  whether you have access to your Account. If you reject a change that we make, we will close 
    any obligation to monitor, record, retain or reproduce such items, unless required to do so by  your Account. No change to any term of this Agreement will affect your obligation to pay all 
    Applicable Law.                         amounts you owe under this Agreement.
    27. Arbitration. You and we each agree that any Claim will be arbitrated instead of litigated  29. waiver of Rights. Except as may be prohibited by Applicable Law, you agree to waive 
    in court under the circumstances and procedures set forth below. Any Claim will be resolved  any right you may have for us to act promptly in bringing any action(s) against you (known as 
    upon the election of arbitration by you or us pursuant to this provision and the AAA Rules in  diligence); to demand payments of amounts due (known as presentment); to obtain an of?cial 
    effect at the time the Claim is ?led. (If for any reason the AAA is unable or unwilling or ceases  certi?cation of non-payment (known as protest); and to give notice that amounts due will not 
    to serve as arbitration administrator, another nationally recognized arbitration organization  be paid (known as notice of dishonor or notice of default and non-payment).
    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  30. Change of Address. We will rely on the address we have for you in our records for 
    with respect to any Claim subsequently asserted in that lawsuit by any other party or parties.  any Account communications we send to you unless and until either you or the U.S. Postal 
    IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR  Service noti?es us of a change of address and we have had a reasonable opportunity to act on 
    WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT  such notice. If your Account is a joint Account, each of you appoints the other as your agent 
    CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA  to designate the address to which any and all Account communications, including the Account 
    RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR  Statement, may be sent to you.
    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.  31. Correspondence. To the extent permitted by Applicable Law, any communication you 
    NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT  send to us will not be effective until we receive it and have had a reasonable opportunity to 
    BE AVAILABLE IN ARBITRATION.            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.
    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 ?led at any AAA of?ce. 32. 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 
    There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration  Account, or any balance due thereunder, and our rights and obligations under this Agreement to 
    hearing that you attend will take place in the federal judicial district in which you reside. At  another entity without your consent and without prior notice. That entity will take our place in 
    your written request, we will temporarily advance up to $500 towards the ?ling, administrative  this Agreement.
    and/or hearing fees for any Claim that you may ?le against us after you have paid an amount 
    equivalent to the fee, if any, for ?ling such a Claim in state or federal court (whichever is less)  33. Severability. If any provision of this Agreement is deemed to be void or unenforceable 
    in the judicial district in which you reside. At the conclusion of the arbitration, the arbitrator will  by a court of competent jurisdiction, or any governmental agency, that provision will continue 
    decide who will ultimately be responsible for paying the ?ling, administrative and/or hearing  to be enforceable to the extent permitted by that court or agency, and the remainder of that 
    fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will  provision will no longer be considered as part of this Agreement. All other provisions of this 
    bear the expense of that party�s attorneys�, experts� and witness fees, regardless of which party  Agreement will, however, remain in full force and effect.
    prevails in the arbitration.
                                            34. Governing Law. This Agreement is entered into between you and us in the State 
    This provision is made pursuant to a transaction involving interstate commerce and will be  of Ohio, and your Account and this Agreement, and any claim, dispute or controversy arising 
    governed by the FAA, 9 U. S. C. �� 1 et seq., as amended. The arbitrator will apply applicable  from or relating to your Account or this Agreement, whether based in contract, tort, fraud 
    substantive law consistent with the FAA and applicable statutes of limitations and will honor  or otherwise and regardless of the place where you live, is governed by, and construed in 
    claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may  accordance with, the laws of the State of Ohio, without regard to Ohio�s con?ict of laws 
    be entered in any court having jurisdiction. The arbitrator�s decision will be ?nal and binding,  principles, and applicable federal laws and regulations. The legality, enforceability and 
    except for any right of appeal provided by the FAA and except that, if the amount in controversy  interpretation of this Agreement and the amounts contracted for under this Agreement also are 
    exceeds $100,000, any party can appeal the award to a three-arbitrator panel administered  governed by Ohio law and applicable provisions of federal law, and all amounts granted under 
    by the AAA, which will reconsider de novo any aspect of the initial award requested by the  this Agreement are extended from the State of Ohio.
    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. 35. Entire Agreement. You acknowledge that this Agreement, as amended from time 
                                            to time, and the documents accompanying your Card that apply to your Account, which are 
    As solely used in this provision, the terms we and us will for all purposes mean Fifth Third Bank,  incorporated by reference into this Agreement, make up the entire agreement between you and 
    all of its parents, wholly- or majority-owned subsidiaries, af?liates, predecessors, successors  us and supersedes and may not be contradicted by evidence of any prior or contemporaneous 
    and assigns, and all of their independent contractors, agents, employees, directors and  written or oral communications and understandings between you and us concerning the Account 
    representatives.
                                           5
    and the Card. Neither you nor we intend that anything in this Agreement should result in the  (c) Cash withdrawals from Jeanie, Money Station or other ATM terminals may be made only 
    assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or  from individual or joint personal Bank Accounts and not from any other accounts.
    charge assessed under this Agreement is ?nally determined to be in excess of that permitted  (d) You are not permitted to make bill payments or transfers or pay for Purchases from any 
    by Applicable Law, the excess amount will be applied to reduce the outstanding balance in  Bank Account that is a savings account using a Jeanie or Money Station terminal, Fifth Third 
    your Account or, if there is no outstanding balance, will be refunded to you. You agree that any  Internet Banking and Bill Payment or Fifth Third Bank Telephone Banking, except as provided in 
    documentation provided to you that indicates that a Transaction was made shall be admissible  subparagraph (e) below.
    as evidence of such Transaction and shall be proof that such transaction or transfer was made. (e) Fifth Third savings accounts allow up to six of the following transfers or withdrawals on 
                                            the account per month: pre-authorized or automatic transfers/withdrawals, or transfers/
    36. Questions. If you have any questions about this Agreement or your Card, please contact  withdrawals made by check, debit card, or similar order payable to a third party. Examples 
    us at 1-800-972-3030.                   of preauthorized or automatic transfers include automatic transfers from savings to checking 
                                            to cover an overdraft or a transfer of funds or bill payment from your savings account using 
    37. Section Headings. The Section headings used in this Agreement are only meant to  Fifth Third Internet Banking and Bill Payment, Fifth Third Bank Telephone Banking, or any 
    organize this Agreement, and do not in any way limit or de?ne your or our rights or   money management payment from your savings account. You may, however, make as many 
    obligations hereunder.                  payments as you wish from your Fifth Third savings account to your installment, mortgage or 
                                            credit card accounts with us.
    READY RESERVE AND EFT SERVICES          (f) You may not use the Card a POS terminal.
                                            (g) For security reasons, there are limits on the amount of cash withdrawals from your Bank 
    38. Ready Reserve. If you have applied and been approved for the Ready Reserve feature 
                                            Account that may be made from Jeanie, Money Station or other electronic banking terminals  
    of your Account, you can authorize automatic transfers from your Account into any checking 
                                            or systems.
    account you maintain with us in order to cover an overdraft on such account and any applicable 
                                            (h) There are limits on the amount of cash you may withdraw or transfer immediately after you 
    service charge. If you overdraw your checking account with us on any day, we may charge your 
                                            make a deposit.
    Account for a Cash Advance in an amount equal to the overdrawn amount or $50, whichever 
                                            (i) You may place a stop payment order on a preauthorized EFT from your Account by notifying 
    is greater, in order to eliminate the overdraft, together with any applicable ?nance charges and 
                                            us orally or in writing at least three (3) Business Days before the scheduled date of the transfer. 
    service charges. If you have applied and been approved for Ready Reserve, you may use your 
                                            Once you have placed a stop payment order on a preauthorized transfer, we will not make any 
    Card as an ATM card by entering your PIN.
                                            more preauthorized transfers to the person or company that you were going to pay until we 
                                            receive a new written authorization from you.
    39. Use of Card for EFT Services. If you use your Card as an ATM card, the following 
                                            (j) No deposits or withdrawals may be made to or from a dormant Bank Account through 
    additional terms and conditions apply to your use of your Card to access your Bank Account  
                                  �  �      Jeanie, Money Station or other electronic banking terminal or system.
    for the EFT services we make available (for example, (a) use of the Jeanie , Pulse , 
         �         �                        (k) We may, from time to time, limit the type, number and dollar amounts of any checks, 
    Plus System , Visa, MasterCard, Cirrus , or other electronic banking terminals or systems; 
                                            drafts, withdrawals or transfers, that may be made from your Bank Account using the Card, 
    (b) use of our telephone bill payment service; (c) use of Fifth Third Bank Telephone Banking 
                                            even if you have suf?cient available funds in your Bank Account, and to terminate or suspend 
    to transfer money; (d) use of Fifth Third Internet Banking and Bill Payment to transfer money 
                                            the operation of any or all EFT devices, including your Card, without notice, unless required by 
    or pay bills; (e) electronic direct deposits of government payments such as Social Security and 
                                            Applicable Law.
    payroll payments; (f) preauthorized bill payments; and (g) electronic check conversion) and  
                                            (l) For security reasons, there may be other limits on the number and amount of transactions 
    are provided to you in accordance with the requirements of federal law. 
                                            you can make using the Jeanie system.
    40. ATM Transaction Charges. Your checking, savings, credit card or line of credit 
                                            43. Error Resolution Process. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR 
    account with us may be subject to charges when using an ATM that does not display both our 
                                            ELECTRONIC TRANSFERS, telephone us at 1-800-972-3030 or write us at Fifth Third Bank,  
    logo and the Jeanie logo. Details about these charges are disclosed elsewhere in this Agreement 
                                            MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263 as soon as you can if you 
    and in our �Checking Brochure� and �Savings Brochure.� Also, if you use an ATM that does 
                                            think your statement or receipt is wrong or if you need more information about a transfer listed 
    not display both our logo and the Jeanie logo, you may be charged a fee by the ATM owner or 
                                            on the statement or receipt. We must hear from you no later than sixty (60) days after we 
    operator, as well as by any network used (and you may be charged a fee for a balance inquiry 
                                            sent the FIRST statement on which the error or problem appeared.
    even if you do not complete an EFT).
                                            (a) Tell us your name and Bank Account number (if any).
                                            (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can 
    41. Types of EFTs. If you use your Card and your PIN, you may:
                                            why you believe it is an error or why you need more information.
    (a) withdraw cash from your Bank Account;
                                            (c) Tell us the dollar amount of the suspected error.
    (b) obtain a Cash Advance;
    (c) make deposits to your Bank Account (Note: Money Station ATMs will not accept deposits 
                                            If you tell us orally, we may require that you send us your complaint or question in writing 
    greater than $10,000. We reserve the right to reject deposits in excess of $10,000 at any 
                                            within ten (10) Business Days. We will determine whether an error occurred within ten (10) 
    ATM displaying the Jeanie logo);
                                            Business Days following the date you noti?ed us, and we will correct any error promptly. If 
    (d) transfer funds between your checking, savings, Visa, MasterCard or line of credit accounts;
                                            we need more time, however, we may take up to forty-?ve (45) calendar days to investigate 
    (e) pay bills directly from your Bank Account to parties that have been identi?ed and have 
                                            your complaint or question following the date you noti?ed us. If we decide to do this, we will 
    agreed to accept your payments, provided that your Bank Account is a checking account and the 
                                            provisionally recredit your Bank Account within ten (10) Business Days following the date you 
    payment is made in accordance with our procedures; and
                                            noti?ed us for the amount you think is in error, so that you will have the use of the money 
    (f) pay for purchases from your Bank Account at places that have agreed to accept your Card, 
                                            during the time it takes us to complete our investigation. If we ask you to put your complaint 
    provided that your Bank Account is a checking account.
                                            or question in writing and we do not receive it within ten (10) Business Days, we may not 
    If you use your Card and your PIN to pay for a Purchase from a merchant or to withdraw 
                                            provisionally recredit your Bank Account.
    cash from an ATM, you authorize us to debit your Bank Account for the total amount of the 
                                            For errors involving new Bank Accounts, POS or foreign-initiated transactions, we may take up 
    Transaction as shown on any sales draft or withdrawal order originated by use of your Card, 
                                            to ninety (90) calendar days to investigate your complaint or question. For new Bank Accounts, 
    regardless of whether you signed it. We will handle such sales drafts or withdrawal orders in the 
                                            we may take up to twenty (20) Business Days to credit your Bank Account for the amount that 
    same way we handle checks and other items drawn on your Bank Account, with the exception 
                                            you think is in error.
    that you will have no right to stop payment. Some of these services may not be available at 
    all terminals, may be limited by third parties and are subject to the limitations described in this 
                                            We will tell you the results within three (3) Business Days after completing our investigation. 
    Agreement and other rules, regulations and agreements that apply to your Bank Account or your 
                                            If we decide that there was no error, we will send you a written explanation. You may ask for 
    Account. You may perform other transfers as we expand the types of available transfers in the 
                                            copies of the documents that we used in our investigation.
    future. We will notify you as to the nature and frequency of those transfers. 
                                            44. Fees. You agree that we may charge and deduct from your Bank Account (or any other 
    42. Limitations on Types and Frequency of Electronic Banking Transfers. 
                                            account that you maintain with us primarily for personal, family or household purposes, as 
    Electronic banking services, including Card Transactions, and payments are subject to the 
                                            necessary) any charges associated with or incurred in connection with the use of your Card.
    following limitations in this section and elsewhere in this Agreement:
    (a) Due to certain state banking laws currently in effect, you may not be able to make deposits 
                                            45. Disclosure of Bank Account Information to Third Parties. We take our 
    at all Jeanie or Money Station locations.
                                            responsibility to protect the con?dentiality of your ?nancial information very seriously. It is our 
    (b) The immediate use of deposited funds is restricted by our rules, regulations and agreements 
                                            policy never to share information about you, your Bank Account or the transfers made using 
    governing Bank Accounts.
                                            your Card with third parties, including marketing companies, except in the situations noted 
                                           6
    below. Speci?cally, we will disclose such information:
    (a) where it is necessary for completing transfers;
    (b) in order to verify the existence and condition of your Bank Account for a third party, such as 
    a credit bureau or a merchant;
    (c) in order to comply with government agency or court orders, such as a lawful subpoena;
    (d) if you give us your written permission;
    (e) in the investigation or prosecution of alleged fraudulent activity concerning your Bank 
    Account; or
    (f) as otherwise provided in the Fifth Third privacy policy.
    You authorize the disclosure to any merchant or other payee of the information relating to your 
    accounts as is reasonably necessary to perform our electronic banking services.
    46. Documentation of Terminal Transfers. For transactions of more than $15, you 
    can get a receipt at the time you make any transfer to or from your Bank Accounts using a 
    Jeanie machine, Money Station, Plus System, VISA, MasterCard or any other electronic banking 
    terminal, unless, for some reason, the machine or terminal is not working properly. 
    47. Your Liability. Tell us AT ONCE if you believe your Card or PIN, or both, have been 
    lost, stolen or used (or may be used) or that a transfer has been or may be made with your 
    Card or PIN without your permission. Telephoning is the best way of keeping your possible 
    losses down. You could lose all the money in your Bank Account if you have a checking  
    account with the overdraft protection feature. If you tell us within two (2) Business Days,  
    you can lose no more than $50 if someone used your Card or PIN without your permission. 
    If you do NOT tell us within two (2) Business Days, and we can prove that we could have 
    stopped someone from using your Card or PIN without your permission if you had told us,  
    you could lose as much as $500.
    Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell 
    us within sixty (60) days after the statement was mailed to you, you may not get back any 
    money you lost after the sixty (60) days if we can prove that we could have stopped someone 
    from taking the money if you had told us in time.
    If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend 
    the time period for a reasonable time.
    48. Business Days. For purposes of the section of this Agreement entitled Ready Reserve 
    and EFT Services, our Business Days are Monday through Friday. Holidays are not included.
    49. Contacts in the Event of Unauthorized Card Transfers. If you believe that 
    your Card or PIN, or both, has been lost or stolen or that someone has authorized or may 
    authorize a transfer from your Bank Account without your permission, you can call us at  
    1-800-782-0279.
    50. Authorized Use. You agree that, if you authorize another person to use your Account, 
    Bank Account, Card or PIN in any manner, your authorization will be deemed to include the 
    authorization to perform electronic banking services of any kind using your Account, Bank 
    Account, Card or PIN and to incur related fees and charges, even if that person exceeds your 
    authorization. Your authorization will be deemed to continue until you have taken all steps 
    necessary to revoke it by preventing such use by that person.
    51. Service. If you use the Card for Fifth Third Bank Telephone Banking or other telephone 
    banking or Fifth Third Internet Banking and Bill Payment, and we approve such use of the Card, 
    we will transfer money in your Bank Accounts with us or accounts over which you have the 
    authority to withdraw or transfer funds to the accounts of designated merchants. Such transfer 
    will be made upon your instructions by use of a telephone, or by other means acceptable to us. 
    You agree to allow a reasonable period of time (at least ?ve (5) Business Days) for a merchant 
    to receive the payment. We will not be responsible for any delays caused by mail service or 
    others. In no case will we be liable for any interest or late payment charges assessed by a 
    merchant or termination of service caused by a delay in a merchant�s receipt of the payment. 
    You agree to notify us of any change in your address or account with a merchant, including 
    change of account number.
    52. Card Cancellation, Revocation or Limitation. Your Card may be cancelled, 
    revoked or limited in its use at any time by us or our agent.
    Fifth Third Bank, Member FDIC.
                                           7
                                                                             Rev. 08/1 1
      FACTS   WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
      WHY?    Financial companies choose how they share your personal information. Federal law gives consumers the right 
              to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your 
              personal information. Please read this notice carefully to understand what we do.
      WHAT?   The types of personal information we collect and share depend on the product or service you have with us. 
              This information can include:
              � Social Security number, name, address, email address, income, and assets
              � Payment history and account balances
              � Credit history and credit worthiness
      HOW?    All ?nancial companies need to share customers� personal information to run their everyday business. In the 
              section below, we list the reasons ?nancial companies can share their customers� personal information; the 
              reasons Fifth Third chooses to share; and whether you can limit this sharing.
      REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?
      For our everyday business purposes� such as to process
      your transactions, maintain your account(s), respond to court Yes No
      orders and legal investigations, or report to credit bureaus
      For our marketing purposes� to o�er our products and
                                                  Yes                 No
      services to you
      For joint marketing with other ?nancial companies Yes           No
      For our a�liates� everyday business purposes�
                                                  Yes                 No
      information about your transactions and experiences
      For our a�liates� everyday business purposes�
                                                  Yes                 Yes
      information about your creditworthiness
      For our a�liates to market to you           Yes                 Yes
      For nona�liates to market to you            No                  N/A
      TO LIMIT  � Call 1-800-889-5269�our menu will prompt you through your choice(s); or
      OUR     � Write to us at Fifth Third, Customer Service, Privacy Administration, Post O�ce Box 4444, Cincinnati, OH 45263-4444. 
      SHARING   Requests must include your name, address, telephone number, and Social Security number (or taxpayer 
                identi?cation number). Incomplete information will delay or possibly prevent our ability to honor your request; or
              � Visit any Fifth Third Banking Center.
              Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent 
              this notice. When you are no longer our customer, we continue to share your information as described in this 
              notice. However, you can contact us at any time to limit our sharing.
      QUESTIONS? Call 1-800-889-5269 or go to www.53.com.
      WHO WE ARE
      Who is providing this notice? Fifth Third Bank and its a�liates (please see next page for List of A�liates).
      WHAT WE DO
      How does Fifth Third protect my  To protect your personal information from unauthorized access and use, we use 
      personal information?    security measures that comply with federal law. These measures include computer 
                               safeguards and secured ?les and buildings.
      How does Fifth Third collect my  We collect your personal information, for example, when you: 
      personal information?    � Open an account or apply for a loan
                               � Pay your bills or make a deposit
                               � Use your credit or debit card
                               We also collect your personal information from others, such as credit bureaus, 
                               a�liates, or other companies. 
                                           8
      Why can�t I limit all sharing? Federal law gives you the right to limit only:
                               � sharing for a�liates� everyday business purposes�information about your creditworthiness
                               � a�liates from using your information to market to you
                               � sharing for nona�liates to market to you
                               State laws and individual companies may give you additional rights to limit sharing. 
                               See below for more information on state laws. 
      What happens when I limit sharing Your choices will apply to everyone on your account.
      for an account I hold jointly with
      someone else?
      DEFINITIONS
      A�liates                 Companies related by common ownership or control. They can be ?nancial and 
                               non?nancial companies.
                               � Our a�liates include companies with a Fifth Third name; ?nancial companies such as an 
                                 insurance agency or a leasing company.
      Nona�liates              Companies not related by common ownership or control. They can be ?nancial and 
                               non?nancial companies.
                               � Fifth Third does not share information with nona�liates so they can market to you.
      Joint marketing          A formal agreement between nona�liated ?nancial companies that together market 
                               ?nancial products or services to you.
                               � Our joint marketing partners include but may not be limited to insurance companies 
                                 and credit card companies.
      OTHER IMPORTANT INFORMATION
      Nevada law requires that we provide you with the following contact information: 
      Fifth Third, Customer Service Bureau of Consumer Protection, O�ce of the Nevada Attorney General
      Privacy Administration 555 East Washington Street, Suite 3900
      P.O. Box 4444       Las Vegas, NV 89101
      Cincinnati, OH 45263-4444 Phone: (702) 486-3132, Email: BCFINFO@ag.state.nv.us
      CA, ND and VT residents: Accounts with mailing addresses in these states will be treated as if they have selected for us to not share 
      your credit and personal ?nancial information with other Fifth Third companies. 
      CUSTOMER IDENTIFICATION PROGRAM
      In accordance with the USA PATRIOT Act, Federal law requires all ?nancial institutions to obtain, verify, and record information that identi?es each individual or entity 
      opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as well as trust, brokerage, insurance, and investment 
      management accounts.
      What This Means To Our Customers
      When you open an account, you will be asked for your name, address, Social Security or tax identi?cation number, date of birth (if applicable), and other information that 
      will allow  Fifth Third to identify you. You will also be asked to furnish your driver�s license or other identifying documents. We are required to follow this procedure each 
      time an account is opened, even if you are a current customer of Fifth Third.
      LIST OF AFFILIATES
      Fifth Third Bank, an Ohio Banking Corporation Fifth Third Real Estate Capital Markets, Inc. Fifth Third Holdings, LLC
      Fifth Third Insurance Agency, Inc. The Fifth Third Leasing Company Home Equity of America, Inc.
      Fifth Third Mortgage Company Fifth Third Asset Management, Inc. Fifth Third Mortgage, MI, LLC
      Fifth Third Securities, Inc. Member FINRA/SIPC Vantiv The Fifth Third Auto Leasing Trust
      Vista Settlement Services, LLC SLK Global BPO Services Pvt. Ltd. Transactive Ecommerce Solutions, Inc. 
      Fifth Third Bank, Member FDIC.
      Important Information About Credit Reporting
      We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be re?ected in your credit report.
      Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer. Securities and investments o�ered through 
      Fifth Third Securities, Inc.
      Are Not FDIC Insured O�er No Bank Guarantee   May Lose Value
      Are Not Insured By Any Federal Government Agency Are Not A Deposit
      Insurance products made available through Fifth Third Insurance Agency, Inc. 08/1 1
                                           9
       Cash Rewards MasterCard Fees and Credit Disclosures
    Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
              0% introductory APR for the ?rst 12 Billing Cycles.  balance (including new purchases).�
     Percentage  
     Rate (APR)   After that, your APR will be 12.99% to 23.99%,
                                              Loss of Introductory APR: We may end your introductory APR for Purchases and 
     for      based on your credit worthiness.  This APR will vary with the 
                                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
     Purchases: market based on the WSJ Prime Rate.
                                              make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and   The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Transfers: will be 12.99% to 23.99%, based on your credit worthiness.  Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending 
              This APR will vary with the market based on the WSJ Prime Rate. on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%                     The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances                                 The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
                                              has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly 
     Penalty APR  24.99%                      Periodic Rate for Cash Advances and Penalty is 2.0825%. 
     and when it  This APR may be applied to your Account if you:
     Applies   1) Make a late payment;        The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               2) Make a payment that is returned;  is 9.74% to 20.74% depending on your credit worthiness.  Your margins are the portions of 
               3) Use a Convenience Check that is not honored.  your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs. 
              How Long will the Penalty APR Apply? If your APRs 
              are increased because you are 60 days late, the Penalty APR   Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              will apply until you make six consecutive minimum payments   subject to change thereafter. 
              when due. If your APRs are increased for other reasons listed 
              above, the Penalty APR will apply for an inde?nite period of time.  The WSJ Prime Rate means the prime rate published in the �Money Rates� section 
                                              of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two 
     How to   Your due date is at least 21 days after the close of each Billing  days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  and corresponding APR for Purchases will be applied to your existing Account balance and 
     Interest on  your entire balance by the due date each month. to subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Purchases                                the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
                                              or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Minimum  If you are charged interest, the charge will be no less than $1.00.
                                              and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Interest 
                                              being applied to reduce principal.
     Charge
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest 
                                              charge on your account by applying the periodic rate to the �average daily balance� of your 
    FEES
                                              account. To get the �average daily balance� we take the beginning balance of your account 
     Annual Fees                              each day, add any new purchases, and subtract any payments or credits. This gives us the 
                                              daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     � Annual Fee None                        by the number of days in the billing cycle. This gives us the �average daily balance.�
     Transaction Fees
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          10
         Employee Platinum Rewards MasterCard Fees  
                and Credit Disclosures
    Interest Rates and Interest Charges
                                             How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
              3.9% introductory APR until 1/1/2014.   balance (including new purchases).�
     Percentage  
     Rate (APR)   After that, your APR will be  5.24%.
                                             Loss of Introductory APR: We may end your introductory APR for Purchases and 
     for Purchases: This APR will vary with the market based on the WSJ Prime Rate.
                                             Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
                                             make a payment that is returned or use a Convenience Check that is not honored.
     APR for  3.9% introductory APR for the life of the balance. If you no 
     Balance  longer qualify for this introductory APR, your APR will be the  The introductory APR for Purchases is 3.9% until 1/1/2014. Thereafter, the APR for 
     Transfers: standard APR for Purchases and will be 5.24%. This APR will  Purchases is 5.24%. The introductory APR for Balance Transfers is 3.9% for the life of the 
              vary with the market based on the WSJ Prime Rate. balance.  If you no longer qualify for this introductory APR, Balance Transfers will be subject 
                                             to the standard APR for Purchases and will be 5.24%. The APR for Cash Advances is 18.24%. 
     APR for Cash  Your APR will be 18.24%. This APR will vary with the market  The APR for Penalty is 24.99%.
     Advances based on the WSJ Prime Rate.
                                             The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.325%. 
     Penalty APR  24.99%
                                             The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
     and when it  This APR may be applied to your Account if you:
                                             has ended will be 0.4367%. The Monthly Periodic Rate for Cash Advances is 1.52%. The 
     Applies   1) Make a late payment; 
                                             Monthly Periodic Rate for Penalty is 2.0825%. 
               2) Make a payment that is returned; 
               3) Use a Convenience Check that is not honored. 
                                             The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers is 
              How Long will the Penalty APR Apply? If your APRs 
                                             1.99%. The margin added to the WSJ Prime Rate for the APR for Cash Advances is 14.99%. 
              are increased because you are 60 days late, the Penalty APR  
                                             Your margins are the portions of your interest rates added to the Index value (WSJ Prime 
              will apply until you make six consecutive minimum payments  
                                             Rate) used to determine your APRs.  
              when due. If your APRs are increased for other reasons listed 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                             Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
                                             subject to change thereafter. 
     How to   Your due date is at least 21 days after the close of each Billing 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section of 
     Interest on  your entire balance by the due date each month.
                                             the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
     Purchases
                                             prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
     Minimum  If you are charged interest, the charge will be no less than $1.00. corresponding APR for Purchases will be applied to your existing Account balance and to 
     Interest                                subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Charge                                  the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
                                             or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
    FEES                                     and the Minimum Amount Due will change and may result in a smaller part of your payment 
                                             being applied to reduce principal.
     Annual Fees
     � Annual Fee None                       Explanation of Balance Subject to Interest Charges: We ?gure the interest 
                                             charge on your account by applying the periodic rate to the �average daily balance� of your 
     Transaction Fees                        account. To get the �average daily balance� we take the beginning balance of your account 
                                             each day, add any new purchases, and subtract any payments or credits. This gives us the 
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
                                             daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
      Transfer greater.
                                             by the number of days in the billing cycle. This gives us the �average daily balance.�
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          11
        Platinum MasterCard Fees and Credit Disclosures
    Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
              0% introductory APR for the ?rst 12 Billing Cycles.  balance (including new purchases).�
     Percentage  
     Rate (APR)   After that, your APR will be 10.99% to 23.99%,
                                              Loss of Introductory APR: We may end your introductory APR for Purchases and 
     for      based on your credit worthiness.  This APR will vary with the 
                                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
     Purchases: market based on the WSJ Prime Rate.
                                              make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and   The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing 
     Transfers: will be 10.99% to 23.99%, based on your credit worthiness.  cycles. Thereafter, the APR for Purchases and Balance Transfers will be 10.99% to 23.99%, 
              This APR will vary with the market based on the WSJ Prime Rate. depending on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%                     The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances                                 The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
                                              has ended will be 0.9158% to 1.9992%, depending on your credit worthiness. The Monthly 
     Penalty APR  24.99%
                                              Periodic Rate for Cash Advances and Penalty is 2.0825%. 
     and when it  This APR may be applied to your Account if you:
     Applies   1) Make a late payment; 
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               2) Make a payment that is returned; 
                                             is 7.74% to 20.74% depending on your credit worthiness. Your margins are the portions 
               3) Use a Convenience Check that is not honored. 
                                             of your interest rates added to the Index value (WSJ Prime Rate) used to determine your 
              How Long will the Penalty APR Apply? If your APRs 
                                             APRs.  
              are increased because you are 60 days late, the Penalty APR  
              will apply until you make six consecutive minimum payments  
                                             Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              when due. If your APRs are increased for other reasons listed 
                                             subject to change thereafter. 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section 
     How to   Your due date is at least 21 days after the close of each Billing 
                                             of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
                                             days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate 
     Interest on  your entire balance by the due date each month.
                                             and corresponding APR for Purchases will be applied to your existing Account balance and 
     Purchases
                                             to subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Minimum  If you are charged interest, the charge will be no less than $1.00. the interest rate.  Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Interest                                or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Charge                                  and the Minimum Amount Due will change and may result in a smaller part of your payment 
                                             being applied to reduce principal.
    FEES
                                             Explanation of Balance Subject to Interest Charges: We ?gure the interest 
     Annual Fees
                                             charge on your account by applying the periodic rate to the �average daily balance� of your 
                                             account. To get the �average daily balance� we take the beginning balance of your account 
     � Annual Fee None
                                             each day, add any new purchases, and subtract any payments or credits. This gives us the 
     Transaction Fees                        daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
                                             by the number of days in the billing cycle. This gives us the �average daily balance.�
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          12
      Platinum Prime MasterCard Fees and Credit Disclosures
    Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
              0% introductory APR for the ?rst 12 Billing Cycles.  balance (including new purchases).�
     Percentage  
     Rate (APR)   After that, your APR will be 3.25% to 23.99%,
                                              Loss of Introductory APR: We may end your introductory APR for Purchases and 
     for      based on your credit worthiness.  This APR will vary with the 
                                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
     Purchases: market based on the WSJ Prime Rate.
                                              make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and  The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Transfers: will be 3.25% to 23.99%, based on your credit worthiness.  Thereafter, the APR for Purchases and Balance Transfers is 3.25% to 23.99%, depending on 
              This APR will vary with the market based on the WSJ Prime Rate. your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%                     The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances                                 The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
                                              has ended will be 0.2708% to 1.9992%, depending on your credit worthiness. The Monthly 
     Penalty APR  24.99%
                                              Periodic Rate for Cash Advances and Penalty is 2.0825%. 
     and when it  This APR may be applied to your Account if you:
     Applies   1) Make a late payment; 
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               2) Make a payment that is returned; 
                                              is 0% to 20.74% depending on your credit worthiness. Your margins are the portions of your 
               3) Use a Convenience Check that is not honored. 
                                              interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  
              How Long will the Penalty APR Apply? If your APRs 
              are increased because you are 60 days late, the Penalty APR  
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              will apply until you make six consecutive minimum payments  
                                              subject to change thereafter. 
              when due. If your APRs are increased for other reasons listed 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                              The WSJ Prime Rate means the prime rate published in the �Money Rates� section 
                                              of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two 
     How to   Your due date is at least 21 days after the close of each Billing 
                                              days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
                                              and corresponding APR for Purchases will be applied to your existing Account balance and 
     Interest on  your entire balance by the due date each month.
                                              to subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Purchases
                                              the interest rate.  Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Minimum  If you are charged interest, the charge will be no less than $1.00. or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Interest                                 and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Charge                                   being applied to reduce principal.
    FEES                                      Explanation of Balance Subject to Interest Charges: We ?gure the interest 
                                              charge on your account by applying the periodic rate to the �average daily balance� of your 
     Annual Fees
                                              account. To get the �average daily balance� we take the beginning balance of your account 
                                              each day, add any new purchases, and subtract any payments or credits. This gives us the 
     � Annual Fee $85 (for Prime + 0%) All other rates have no annual fee.
                                              daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     Transaction Fees                         by the number of days in the billing cycle. This gives us the �average daily balance.�
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                           13
       Responsible MasterCard Fees and Credit Disclosures
    Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
             0% introductory APR for the ?rst 12 Billing Cycles.  balance (including new purchases).�
     Percentage  
     Rate (APR)   After that, your APR will be 10.99% to 23.99%,
                                              Loss of Introductory APR: We may end your introductory APR for Purchases and apply 
     for     based on your credit worthiness.  This APR will vary with the market 
                                              the APR in effect or the Penalty APR if you make a late payment, make a payment that is 
     Purchases: based on the WSJ Prime Rate.
                                              returned or use a Convenience Check that is not honored.
     APR for  Your APR will be the standard APR for Purchases and will be 
     Balance  10.99% to 23.99%, based on your credit worthiness.  The introductory APR for Purchases is 0% for the ?rst 12 billing cycles. Thereafter, the APR 
     Transfers: This APR will vary with the market based on the WSJ Prime Rate. for Purchases is 10.99% to 23.99%, depending on your credit worthiness. Balance Transfers 
                                              will be subject to the APR for Purchases which is 10.99% to 23.99%, depending upon your 
                                              credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%
     Advances                                 The Monthly Periodic Rate for introductory Purchases is 0.0000%. The Monthly Periodic 
                                              Rate for Purchases after the introductory period has ended will be 0.9158% to 1.9992%, 
     Penalty APR  24.99%
                                              depending on your credit worthiness. The Monthly Periodic Rate for Balance Transfers is the 
     and when it  This APR may be applied to your Account if you:
                                              same as the monthly periodic rate for Purchases and is 0.9158% to 1.9992%, depending 
     Applies   1) Make a late payment; 
                                              on your credit worthiness. The Monthly Periodic Rate for Cash Advances and Penalty is 
               2) Make a payment that is returned; 
                                              2.0825%. 
               3) Use a Convenience Check that is not honored. 
             How Long will the Penalty APR Apply? If your APRs 
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
             are increased because you are 60 days late, the Penalty APR  
                                              is 7.74% to 20.74% depending on your credit worthiness. Your margins are the portions 
             will apply until you make six consecutive minimum payments  
                                              of your interest rates added to the Index value (WSJ Prime Rate) used to determine your 
             when due. If your APRs are increased for other reasons listed 
                                              APRs.  
             above, the Penalty APR will apply for an inde?nite period of time. 
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
     How to  Your due date is at least 21 days after the close of each Billing 
                                              subject to change thereafter. 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
     Interest on  your entire balance by the due date each month.
                                              The WSJ Prime Rate means the prime rate published in the �Money Rates� section 
     Purchases
                                              of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two 
     Minimum  If you are charged interest, the charge will be no less than $1.00. days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate 
     Interest                                 and corresponding APR for Purchases will be applied to your existing Account balance and 
     Charge                                   to subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
                                              the interest rate.  Any increase or decrease in the WSJ Prime Rate will result in an increase 
    FEES                                      or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
                                              and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Annual Fees
                                              being applied to reduce principal.
     � Annual Fee None
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest 
     Transaction Fees                         charge on your account by applying the periodic rate to the �average daily balance� of your 
                                              account. To get the �average daily balance� we take the beginning balance of your account 
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
                                              each day, add any new purchases, and subtract any payments or credits. This gives us the 
      Transfer greater.
                                              daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     �  Cash  Either $5 or 4% of the amount of each Cash Advance,  by the number of days in the billing cycle. This gives us the �average daily balance.�
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          14
         Secured MasterCard Fees and Credit Disclosures
    Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily 
     Annual  
                                              balance (including new purchases).�
              Your APR will be 23.99%.  
     Percentage  
              This APR will vary with the market based on the WSJ Prime Rate.
     Rate (APR)  
                                              The APR for Purchases and Balance Transfers is 23.99%. The APR for Cash Advances and 
     for Purchases 
                                              Penalty is 24.99%.
     and Balance 
     Transfers
                                              The  Monthly  Periodic  Rate  for  Purchases  and  Balance  Transfers  is  1.9992%. 
                                              The Monthly Periodic Rate for Cash Advances and Penalty is 2.0825%. 
     APR for Cash  24.99%
     Advances
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
     Penalty APR  24.99%                      is 20.74%. Your margin is the portion of your interest rate added to the Index value  
     and when it  This APR may be applied to your Account if you:  (WSJ Prime Rate) used to determine your APRs.  
     Applies   1) Make a late payment; 
               2) Make a payment that is returned;  Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
               3) Use a Convenience Check that is not honored.  subject to change thereafter. 
              How Long will the Penalty APR Apply? If your APRs 
              are increased because you are 60 days late, the Penalty APR   The WSJ Prime Rate means the prime rate published in the �Money Rates� section 
              will apply until you make six consecutive minimum payments   of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two 
              when due. If your APRs are increased for other reasons listed   days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate 
              above, the Penalty APR will apply for an inde?nite period of time.  and corresponding APR for Purchases will be applied to your existing Account balance and 
                                              to subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     How to   Your due date is at least 21 days after the close of each Billing  the interest rate.  Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Interest on  your entire balance by the due date each month. and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Purchases                                being applied to reduce principal.
     Minimum  If you are charged interest, the charge will be no less than $1.00.
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest 
     Interest                                 charge on your account by applying the periodic rate to the �average daily balance� of your 
     Charge                                   account. To get the �average daily balance� we take the beginning balance of your account 
                                              each day, add any new purchases, and subtract any payments or credits. This gives us the 
    FEES                                      daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
                                              by the number of days in the billing cycle. This gives us the �average daily balance.�
     Annual Fees
     � Annual Fee $24
     Transaction Fees
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          15
      Real Life Rewards Credit Card Fees and Credit Disclosures
    Interest Rates and Interest Charges
     Annual                                  How we will Calculate Your Balance: We use a method called �average daily 
              0% introductory APR for the ?rst 12 Billing Cycles. 
     Percentage                              balance (including new purchases).�
     Rate (APR)   After that, your APR will be 12.99% to 23.99%,
     for                                     Loss of Introductory APR: We may end your introductory APR for Purchases and 
              based on your credit worthiness. This APR will vary with the 
     Purchases:                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
              market based on the WSJ Prime Rate.
                                             make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and 
                                             The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Transfers: will be 12.99% to 23.99%, based on your credit worthiness. 
                                             Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending 
              This APR will vary with the market based on the WSJ Prime Rate.
                                             on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%
                                             The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances
                                             The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
     Penalty APR  24.99%                     has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly 
     and when it  This APR may be applied to your Account if you: Periodic Rate for Cash Advances and Penalty is 2.0825%.  
     Applies   1) Make a late payment; 
               2) Make a payment that is returned;  The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               3) Use a Convenience Check that is not honored.  is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of 
              How Long will the Penalty APR Apply? If your APRs  your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs. 
              are increased because you are 60 days late, the Penalty APR  
              will apply until you make six consecutive minimum payments   Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              when due. If your APRs are increased for other reasons listed  subject to change thereafter. 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section of 
     How to   Your due date is at least 21 days after the close of each Billing  the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
     Interest on  your entire balance by the due date each month. corresponding APR for Purchases will be applied to your existing Account balance and to 
     Purchases                               subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
                                             the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Minimum  If you are charged interest, the charge will be no less than $1.00.
                                             or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Interest 
                                             and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Charge
                                             being applied to reduce principal.
    FEES
                                             Explanation of Balance Subject to Interest Charges: We ?gure the interest 
                                             charge on your account by applying the periodic rate to the �average daily balance� of your 
     Annual Fees
                                             account. To get the �average daily balance� we take the beginning balance of your account 
     � Annual Fee None                       each day, add any new purchases, and subtract any payments or credits. This gives us the 
                                             daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     Transaction Fees
                                             by the number of days in the billing cycle. This gives us the �average daily balance.�
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                           16
     Nashville Predators Credit Card Fees and Credit Disclosures
    Interest Rates and Interest Charges
     Annual                                  How we will Calculate Your Balance: We use a method called �average daily 
              0% introductory APR for the ?rst 12 Billing Cycles. 
     Percentage                              balance (including new purchases).�
     Rate (APR)   After that, your APR will be 12.99% to 23.99%,
     for                                     Loss of Introductory APR: We may end your introductory APR for Purchases and 
              based on your credit worthiness. This APR will vary with the 
     Purchases:                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
              market based on the WSJ Prime Rate.
                                             make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and 
                                             The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Transfers: will be 12.99% to 23.99%, based on your credit worthiness. 
                                             Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending 
              This APR will vary with the market based on the WSJ Prime Rate.
                                             on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%
                                             The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances
                                             The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
     Penalty APR  24.99%                     has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly 
     and when it  This APR may be applied to your Account if you: Periodic Rate for Cash Advances and Penalty is 2.0825%.  
     Applies   1) Make a late payment; 
               2) Make a payment that is returned;  The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               3) Use a Convenience Check that is not honored.  is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of 
              How Long will the Penalty APR Apply? If your APRs  your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs. 
              are increased because you are 60 days late, the Penalty APR  
              will apply until you make six consecutive minimum payments   Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              when due. If your APRs are increased for other reasons listed  subject to change thereafter. 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section of 
     How to   Your due date is at least 21 days after the close of each Billing  the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
     Interest on  your entire balance by the due date each month. corresponding APR for Purchases will be applied to your existing Account balance and to 
     Purchases                               subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
                                             the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Minimum  If you are charged interest, the charge will be no less than $1.00.
                                             or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Interest 
                                             and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Charge
                                             being applied to reduce principal.
    FEES
                                             Explanation of Balance Subject to Interest Charges: We ?gure the interest 
                                             charge on your account by applying the periodic rate to the �average daily balance� of your 
     Annual Fees
                                             account. To get the �average daily balance� we take the beginning balance of your account 
     � Annual Fee None                       each day, add any new purchases, and subtract any payments or credits. This gives us the 
                                             daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     Transaction Fees
                                             by the number of days in the billing cycle. This gives us the �average daily balance.�
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                           17
          Columbus Zoo and Aquarium Credit Card  
              Fees and Credit Disclosures
    Interest Rates and Interest Charges      How we will Calculate Your Balance: We use a method called �average daily 
                                             balance (including new purchases).�
     Annual  
              0% introductory APR for the ?rst 12 Billing Cycles. 
     Percentage  
                                             Loss of Introductory APR: We may end your introductory APR for Purchases and 
     Rate (APR)   After that, your APR will be 12.99% to 23.99%, Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
     for      based on your credit worthiness. This APR will vary with the  make a payment that is returned or use a Convenience Check that is not honored.
     Purchases: market based on the WSJ Prime Rate.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles. The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Balance  After that, your APR will be the standard APR for Purchases and  Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending 
     Transfers: will be 12.99% to 23.99%, based on your credit worthiness.  on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
              This APR will vary with the market based on the WSJ Prime Rate.
                                             The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     APR for Cash  24.99%                    The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
     Advances                                has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly 
                                             Periodic Rate for Cash Advances and Penalty is 2.0825%.  
     Penalty APR  24.99%
     and when it  This APR may be applied to your Account if you:
                                             The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
     Applies   1) Make a late payment; 
                                             is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of 
               2) Make a payment that is returned; 
                                             your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs. 
               3) Use a Convenience Check that is not honored. 
              How Long will the Penalty APR Apply? If your APRs 
                                             Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is 
              are increased because you are 60 days late, the Penalty APR  
                                             subject to change thereafter. 
              will apply until you make six consecutive minimum payments  
              when due. If your APRs are increased for other reasons listed 
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section of 
              above, the Penalty APR will apply for an inde?nite period of time. 
                                             the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
                                             prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
     How to   Your due date is at least 21 days after the close of each Billing 
                                             corresponding APR for Purchases will be applied to your existing Account balance and to 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
                                             subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Interest on  your entire balance by the due date each month.
                                             the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Purchases
                                             or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Minimum  If you are charged interest, the charge will be no less than $1.00. and the Minimum Amount Due will change and may result in a smaller part of your payment 
     Interest                                being applied to reduce principal.
     Charge
                                             Explanation of Balance Subject to Interest Charges: We ?gure the interest 
    FEES                                     charge on your account by applying the periodic rate to the �average daily balance� of your 
                                             account. To get the �average daily balance� we take the beginning balance of your account 
     Annual Fees                             each day, add any new purchases, and subtract any payments or credits. This gives us the 
                                             daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     � Annual Fee None
                                             by the number of days in the billing cycle. This gives us the �average daily balance.�
     Transaction Fees
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is 
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                           18