FIFTH THIRD BANK CARD AGREEMENT for Fifth Third Private Bank Card 

F03-S925-2  -1120  

This Agreement governs the terms and conditions of your Account. You should retain and carefully review this entire Agreement. 
You and we agree as follows: 

We give  this Agreement  to our customers  when  they  are  approved  for an  Account, or  when  they request  it. By opening  an  Account 
and  making  Transactions,  you  agree  to  use  this  Account  only  for  personal,  family  or  household  purposes  and  to  comply  with  this 
entire Agreement. Unless otherwise specified, the words you, your  and yours  mean  anyone  who  applied  to  us  for  an  Account  and 
whose  application  we  have  approved,  and  who  uses  the  Account  with  your  permission.  The  words we, our, us and Fifth  Third 
mean Fifth  Third Bank, National  Association and its successors and assigns. 

DEFINITIONS 

Account: Unless the context provides otherwise, your credit card account that you can access with your Card. 

Account Statement: The periodic statement we mail to you in connection with your Account. 

Agreement: This Fifth Third Bank Card Agreement for Fifth Third Private Bank Card. 

Annual Fee: If your  Card  has  an  annual  fee, the amount  of the annual  fee is disclosed  in  the application  for your  Account  and  also 

will be disclosed in the document that accompanies your Card. 

Applicable   Law:   At   any   time,   any   applicable   (a)   federal,   state   or   local   statutes,   regulations,   licensing   requirements,   regulatory 
bulletins  or  guidance,  regulatory  examinations,  agreements  or  orders,  (b)  rule,  regulation,  restriction,  requirement  or  contractual 
term of Mastercard or other card network, and (c) judicial or administrative interpretations of any of the foregoing. 

ATM: Automated teller machine. 

Authorized User: Any person you allow to use your Account. 

Bank  Account: If  you  use  your  Card  as  an  ATM  card,  your  savings  or  checking  account  that  you  maintain  with  us  primarily  for 

personal, household or family purposes and designate for use with your Card. 

Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is approximately one month long. 

Business Day: Monday through Friday, excluding Federal Reserve Bank holidays. 

Card: One  or  more  cards  or  other  access  devices,  including  your  account  number  or  virtual  card,  that  we  issue  to  you,  or  someone 

you authorize, to receive credit under this Agreement. 

Cash Advance: A  transaction in which you (a) use your Card to get 

 cash from  an ATM;  (b)  present your Card to any bank or other 
person  that  accepts  the  Card  to  get  cash  or  cash-like  equivalents  (for  example,  money  orders,  traveler’s   checks  or  other  payment 
instruments)  from  your  Account;  (c)  use  a  Convenience  Check  or  access  Ready  Reserve  Overdraft  Protection,  (d)  use  your  Card 
or   your   Account   number   to   make   a   person-to-person   transfer   conducted   through   the   Internet   or   otherwise;   or   (e)   quasi-cash 
transactions. 

Convenience Check: A check that may be used to access your Account. 

Covered  Borrower: A  consumer  who  is  entitled  to  the  Limitations  on  Terms  of  Consumer  Credit  Extended  to  Service  Members  and 

Dependents under 32 C.F.R. § 232 (the Military Lending Act Regulations). 

Current Billing Cycle: A Billing Cycle that just ended. 

Daily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a daily basis. 

EFT: Electronic funds transfer. 

Foreign Transaction: A Transaction that occurs or is submitted to us from outside the United States or in a foreign currency. 

International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or in a foreign currency. 

Minimum   Payment   Due:  The   minimum   amount   you   must   pay   by   the   Payment   Due   Date   shown   on   the   front   of   your   Account 

Statement. 

New Balance: The new balance on your Account shown on the front of your Account Statement. 

Non-Revolving Credit Line: The amount of your credit line over your Revolving Credit Line. 

Payment Address: The remittance address indicated on the front of your Account Statement. 

Payment  Due  Date:  The  date shown  on the front of your Account Statement by  which  we  must receive  payment for the Billing  Cycle.  

PIN: Personal identification number. 

POS: Point of sale. 

Prime  Rate:  The  highest prime  rate  published  in the  “Money Rates” section  of the  online  version  of  The Wall Street Journal  (WSJ). 

Purchase: A purchase or lease of goods or services made with your Card or your Account. 

Ready   Reserve   Overdraft   Protection:  An   optional   feature   of   your   Account   whereby   you   may   link   a   checking   account   to   your

Account to cover overdrafts on the checking account. 

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Revolving Credit Line: The amount of your Account balance that you are permitted to pay over time. 

Total Amount of Extended Credit: Your Revolving Credit Line and your Non-Revolving Credit Line. 

Transaction: A Purchase or a Cash Advance. 

U.S.: United States. 

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT 

1. Card Transactions, Purchases and Cash Advances. 
You  may  use  your  Account  and  your  Card  to  make  a  Purchase  or  obtain  a  Cash  Advance  by  presenting  your  Card  or  your  Account 
number   to   participating   merchants   and   establishments   where   the   Card   is   honored.   We   will   also   treat   as   a   Cash   Advance   any
transaction using Ready Reserve Overdraft Protection. 

You  may  also  use  your  Card  to  transfer  balances  from  other  creditors,  to  make  other  transactions  by  means  of  balance  transfer 
coupons  or  checks,  or  for  any  other  transactions  that  we  encourage  you  to  make  through  an  introductory  or  promotional  offer,  in 
accordance  with  the  additional  terms  and  conditions  that  we  may  offer  from  time  to  time.  Unless  we  tell  you  otherwise,  we  will  also 
treat any such balance transfer or other transaction as a Purchase. 

You agree that any debt incurred using your Account or your Card is valid, regardless of the purpose of the Transaction. 

Purchases  from  a  merchant  that  are  directly  convertible  to  cash  (sometimes  called  “quasi-cash”  transactions),  such  as  purchases
of  casino  gaming  chips,  lottery  tickets,  money  orders,  wire  transfer  services,  travelers  cheques  or  foreign  currency,  may  not  be 
permitted  with  your  Card.  In  the  event  it  is  permitted,  it  will  be  treated  as  a  Cash  Advance.  You  may  not  use  your  Card  or your
Account  for  any  illegal  transaction  or  any  gambling  transaction.  We  reserve  the  right  to  decline  any  such  transaction  without  notice. 

Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and dollar amounts of any Transactions,
even if you have sufficient available credit. We may also terminate or suspend your use of your Account and Card and access to
your Account without notice unless prohibited by Applicable Law. 
2. Credit Limit. 
Your  Card  allows  you  to  pay  your  Account  balance  in  full  each  month  or  pay  a  portion  of  your  Account  balance  over  time.  There  is 
no  preset  spending  limit  on  your  Account.  No  preset  spending  limit  does  not  mean  unlimited  spending.  Your  Revolving  Credit  Line 
will be disclosed in the document that accompanies your Card and on your Account Statements. 

We  will  not  disclose  your  Non-Revolving  Credit  Line;  rather,  we  will  evaluate  each  charge  that  causes  your  Account  balance  to 
exceed  your  Revolving  Credit  Line  based  on  a  variety  of  factors,  including  your  Account  spending  and  history,  your  experience  with 
us  and  other  creditors  and  information  we  obtain  from  credit  bureaus.  Subject  to  Applicable  Law,  we  may  refuse  to  authorize  or 
accept  any  Transaction  on  your  Account  or  Card  at  any  time  as  described  in  this  Agreement.  We  may  also  from  time  to  time  and 
in  our  sole  discretion  change  your  Revolving  Credit  Line;  reduce  your  Revolving  Credit  Line  to  $0  and  close  your  Account;  limit  the 
number  or  amount  of  Transactions  on  your  Account  based  on  an  evaluation  of  various  factors;  or  refuse  or  limit  your  access  to  your 
Non-Revolving Credit Line. We will promptly notify you in the event we decide to reduce your Revolving Credit Line. 

Your  Account  Statement  may  also  show  that  only  a  portion  of  your  Revolving  Credit  Line  may  be  used  for  Cash  Advances.  Cash 
Advances,   including   Convenience   Checks   and   Ready   Reserve   Overdraft   Protection   transactions,   are   charged   against   the   cash 
portion  of  your  Revolving  Credit  Line.  Unless  we  inform  you  otherwise,  your  Cash  Advance  credit  limit  will  be  up  to  50%  of  your 
Revolving Credit Line. 

 for  a  Convenience Check  issued to 

 you  that  we  pay  as  a  Cash  Advance (except 

3. Convenience Checks. 
We  may  issue  Convenience  Checks  to  you,  which  may  be  used  to  access  your  Account.  We  will  treat  any  Convenience  Check 
issued to 
 you  as  part  of  a  promotional offer which,
unless  we  tell  you  otherwise,  will  be  treated  as  a  Purchase),  and  we  will  deduct  the  amount  of  the  Convenience  Check  from  your 
Cash  Advance  credit  limit.  Each  Convenience  Check  must  be  denominated  in  U.S.  dollars  and  completed  and  signed  by  you  in  the 
same  manner  as  a  personal  check.  If  we  provide  you  with  Convenience  Checks  for  your  Account,  you  may  not  use  them  to  pay  any 
amount  you  owe  on  your  Account.  You  may  not  request,  and  we  will  not  honor,  a  stop  payment  on  any  Convenience  Check.  We 
reserve  the  right  to  return  any  Convenience  Check  unpaid  if  (a)  the  amount  of  the  Convenience  Check  exceeds  your  Cash  Advance 
credit  limit;  (b)  your  Account  is  not  in  good  standing  or  you  are  otherwise  in  default  of  this  Agreement;  (c)  your  Card  or  Convenience 
Checks  have  been reported lost 
 you  use  a  Convenience 
Check  to  pay  any  amount  you  owe  on  your  Account;  or  (e)  for  any  other  reason.  We  will  not  be  liable  if  we  choose  to  return  any
Convenience Check unpaid. 

 or  stolen  or  your  Account  may  have  been subject 

 to  unauthorized use; (d) 

4. Unauthorized Use. 
You  must  notify  us  immediately  and  assist  us  in  our  investigation  if  your  Card  is  lost  or  stolen  or  you  believe  someone  is  using  your 
Account  or  a  Card  without  your  permission.  If  you  notice  the  loss  or  theft  of  your  Card  or  a  possible  unauthorized  use  of  your  Card 
or  Account,  you  should  contact  us  immediately  at  877-833-6197,  Monday  through  Friday  7  AM  to  8  PM  (EST)  or  Saturday  8:30  AM 
to 5 PM (EST). Outside of these hours, contact us at 800-972-3030. 

5. Third-Party Claims or Defenses.
We are not responsible if a third party refuses to accept or honor your Card or Account, even if you have sufficient available credit.
Except as required by Applicable Law, we will not be responsible for any claim or defense you may have against any third party that
arises out of or in connection with any Transaction with your Account or Card or any services or goods or other property purchased
or leased using your Account or Card. 

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PAYING YOUR BILLS 

6. Periodic Account Statements. 
Except  as  otherwise  stated  in  this  Agreement,  we  will  send  you  an  Account  Statement.  Unless  you  make  other  arrangements  with 
us, your Account Statement will be mailed to you by regular mail to your address as it appears on our records. 

We  will  send  your  Account  Statement  for  each  Billing  Cycle  at  the  end  of  which  your  Account  has  a  debit  or  credit  balance  in  excess 
of   $1.00   or   on   which   an   interest   charge   has   been   imposed.   Generally,   you   will   receive   12   Account   Statements   each   year   your 
Account  is  open.  We  will  not  send  your  Account  Statement  if  (a)  we  deem  your  Account  uncollectible,  (b)  delinquency  collection 
proceedings have been instituted, or (c) for any other reason permitted by Applicable Law. 

Payment  Instructions.  We  credit  your  payments  in  accordance  with  the  terms  on  your  statement.  If  you  mail  your  payment  to  an 
address  other  than  the  payment  address  shown  on  your  statement,  there  may  be  a  delay  in  crediting  the  payment  to  your  Account. 
We  can  accept  late  payments,  partial  payments  or  payments  marked  “payment  in  full,”  or  with  any  other  restrictive  endorsement, 
without  losing  any  of  our  rights  under  this  agreement.  You  must  pay  us  in  U.S.  dollars  in  funds  on  deposit  in  the  U.S.  If  you  do  not, 
we  may  refuse  to  accept  your  payment.  We  may  also  charge  you  the  costs  we  incurred  to  collect  the  funds  and  we  may  select  the 
currency conversion rate. 

7. Minimum Payment Due.
Your  payment  is  due  on  or  before  the  Payment  Due  Date  shown  on  your  Account  Statement.  You  must  pay  at  least  the  Minimum 
Payment   Due   shown   on   your   Account   Statement   on   a   monthly   basis,   which   will   be   the   greater   of   (a)   2%   of   the   New   Balance, 
(b)  0.5%   of   the   New   Balance   plus   total   billed   interest   charges   and   any   fees,   or   (c)   $35.00.   Any   New   Balance   less   than   $35.00 
is  payable  in  full.  The  Minimum  Payment  Due  shown  on  your  Account  Statement  will  also  include  any  amount  past  due  and  any 
amount by which your Account exceeds its credit limit. 

Although  we  may  post  payments  as  of  the  date  we  receive  them,  your  Revolving  Credit  Line  may  not  be  restored  for  up  to  7  days 
after  we  receive  your  payment.  If  the  Minimum  Payment  Due  is  to  be  automatically  deducted  from  your  checking  or  savings  account 
with  us,  you  agree  to  have  on  deposit  in  that  account  on  the  Payment  Due  Date  available  funds  equal  to  the  Minimum  Payment  Due. 

How  We  Apply  Payments.  We  apply  payments  up  to  the  Minimum  Payment  Due  at  our  discretion.  This  may  result  in  balances  at 
lower  APRs  being  paid  before  other  balances.  This  may  also  result  in  higher  interest  charges.  Payments  in  excess  of the  Minimum 
Payment Due will be applied consistent with law. 

Automatic  Billing. You  may  set  up  automatic  billing  with  a  merchant.  If  your  Account  Number  or  expiration  date  changes,  you 
authorize   us   to   provide   the   merchant   with   this   information   at   our   discretion.   To   stop   automatic   billing,   you   must   contact   the 
merchant directly. 

8. Prepayment.
You  may pay  without  penalty  any  portion  of the  entire  New Balance  or  more  than  your  Minimum  Payment  Due  before  the  Payment 
Due Date. You understand that by making a prepayment, the total amount you owe us will be reduced but that you must pay the
Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement. 

DETERMINATION OF INTEREST CHARGES 

9. Daily Periodic Rate.
We determine the Periodic Rate by dividing the applicable APR by 365 (366 if a leap year). 

10. Minimum Interest Charge.
If you are charged interest, the charge will be no less than $1.50. 

11. Annual Percentage Rate (APR).
(a)  APR for Purchases, Balance Transfers and Cash Advances. 

APR  for  Purchases  and  Balance  Transfers. Documents  accompanying  your  Card,  which  are  incorporated  by  reference  into  this 
Agreement, disclose the APR for Purchases and Balance Transfers in effect when your Account is opened. 
Variable  APR  for  Purchases  and  Balance  Transfers.  If  the  APR  for  Purchases  and  Balance  Transfers  is  a  variable  rate  based  on 
the  Prime  Rate  plus  a  margin,  we  will  calculate  the  rate  daily  by  adding  the  applicable  margin  for  those  Transactions  to  the  Prime 
Rate.  (A  “margin”  is  the  percentage  we  add  to  the  Prime  Rate  to  calculate  the  APR.)  This APR  may  vary  (increase  and  decrease), 
but  will  not  exceed 29.99%  (corresponding  Daily  Periodic  Rate  of  0.08216%).  Any  increase  or  decrease  in  the  Prime  Rate  will  result 
in  an  increase  or  decrease  in  your  Daily  Periodic  Rate  and  the  APR,  and  as  a  result,  the  interest  charge  and  the  Minimum  Payment 
Due  will  change  and  may  result  in  a  smaller  part  of  your  payment  being  applied  to  reduce  principal.  We  determine  the  Prime  Rate 
two  business  days  prior  to  the  closing  date  of  your  Billing  Cycle.  Changes  to  the  Daily  Periodic  Rate  and  corresponding  APR  for 
Purchases and Balance Transfers will be applied to your existing Account balance and to subsequent Transactions effective as of
the first day of the Billing Cycle in which we determine the interest rate. If The Wall Street Journal (WSJ) does not publish the prime
rate, or if it changes the definition of Prime Rate, we may, at our sole discretion, substitute another index. 
APR for Cash Advances. The APR for Cash Advances will be 24.99% (corresponding Daily Periodic Rate of 0.06846%). 
(b) Changes  to  Rates.  Subject  to  Applicable  Law,  we  may  change  the  Daily  Periodic  Rate  and  corresponding  APR  for  Purchases, 
Balance Transfers and 
 time  to  time, 
decide to take such action. 

 Cash  Advances if    you  are  in  default  of  this  Agreement,  or  if  we,  in  our  sole  discretion and from 

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(c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we may offer you an introductory or 
promotional APR for all or a part of your Transactions. For example, we may offer you a promotional APR to encourage specific
transactions, such as transferring balances from accounts you have with others, or an introductory APR for Purchases when you 
open an Account. The period of time for which the introductory or promotional APR applies may be limited. Any introductory or 
promotional APR offer will be subject to the terms of the offer and this Agreement. If applicable, we will disclose information regarding 
any introductory or promotional APRs and the period of time during which they are in effect in the document that accompanies 
your Card or in materials we send you about the offer after you obtain your Card. If (i) we receive a Minimum Payment Due after 
its Payment Due Date; or (ii) (A) a check, similar instrument or electronic payment order that you have used for payment on your
Account has been returned to us unpaid for any reason, (B) we must return a check or other instrument because it is not signed or 
is otherwise incomplete, or (C) a Convenience Check used to access your Account is not honored for any reason, we may adjust 
the APR to the Purchase or Balance Transfer APR then in effect as applicable. 

12. Balance Subject to Interest Charge and Interest Charges.
(a)  Interest  Charge  Calculation.  We  impose  interest  on  your  Account  using  the  average  daily  balance  method  (including  new 
transactions). To calculate interest we first calculate a separate daily balance for each balance on your Account. (For example current
purchases, balance transfers, cash advances, and different promotional balances. Your balances are shown on your statement.) To 
calculate the daily balance, we start with the balance at the end of the previous day, which includes any unpaid interest charges on 
that balance. (This results in compounding of interest.) We add any new transactions, interest, or fees and subtract any new credits 
or payments allocated to that balance, and make other adjustments. 

We treat a daily balance less than zero as a balance of zero. We add a transaction to the daily balance as of the transaction date. 
We add a transaction fee to the same balance as the transaction. We generally add other fees to the current purchase balance. 

For each balance, we add up all the daily balances and divide by the number of days in the billing cycle. This gives us the Average 
Daily Balance for that balance. To calculate the total interest for each balance, we then multiply the average daily balance by its daily 
periodic rate and the number of days in the billing cycle. The daily periodic rate equals the APR divided by 365 (366 if a leap year).
You authorize us to round interest charges to the nearest cent. 

We  may  use  mathematical  formulas  that  produce  equivalent  results  to  calculate  the  Balance  Subject  to  Interest  Rate,  interest 
charges and related amounts. 

(b) Interest Charges. No interest charges (other than International Transaction Fees) will be imposed on Purchases if you pay in full 
the New Balance shown on the Account Statement for your Current Billing Cycle by the Payment Due Date. If you have not done so, 
an interest charge will accrue from the transaction date on Purchases at the applicable APR for Purchases until the date payment 
in full is posted to your Account. 

An interest charge will be imposed on Balance Transfers and Cash Advances from the Transaction date and included in the average 
daily balance of Balance Transfers and Cash Advances at the applicable APR for Balance Transfers and Cash Advances until the 
date payment in full is posted to your Account. There is no grace period or time period within which to pay and avoid an interest 
charge on Balance Transfers and Cash Advances. 

The total interest charge for a Billing Cycle is the sum of the interest charges for Purchases, Balance Transfers and Cash Advances. 
To compute the periodic rate portion of interest charges for your Current Billing Cycle, we multiply the average daily balance of 
each type of your Transactions in the Current Billing Cycle by the applicable Daily Periodic Rates for that cycle. Fees for Balance 
Transfers, Cash Advances and International Transactions, if any, are added to and included in the total interest charges for your 
Current Billing Cycle. 

13. Fees. 
Annual Fee. None. 
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a balance transfer fee 
equal to the greater of $5.00 or 4% of the total dollar amount of the balance you are transferring from another account to your Account. 

Cash Advance Fee. We will assess an interest charge in the form of a Cash Advance fee equal to the greater of $10 or 5% of the 
total dollar amount advanced for each Cash Advance on your Account. 

Late Payment Fee. If you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a late fee. The fee 
is $29, unless you incurred a late fee during any of the prior six billing cycles. If you did, the fee is $40. This fee will not exceed the 
amount permitted by law. 

International Transaction Fee. None. 

Expedited Card Delivery Fee. None. 

Convenience Check Fee. Unless your offer indicates otherwise, we will assess an interest charge in the form of a convenience 
check fee equal to the greater of $5 or 4% of the total dollar amount of each convenience check used. 

We may institute a standard charge or charges for the issuance, reissuance or use of the Card or for the reinstatement of any Card 
or Account privileges which have been suspended, as well as an annual fee and per item fee for each Transaction, and you agree 
to pay us such charges and fees. 

14. Foreign Currency Transactions.
If a Transaction is made in a foreign currency, we and Mastercard will convert the Transaction into a U.S. dollar amount. Mastercard 
will act in accordance with its operating regulations or conversion procedures in effect at the time the Transaction is processed. 
Currently, its regulations and procedures provide that the currency conversion rate used is either: (1) a wholesale market rate, or (2) 
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a government-mandated rate in effect one day prior to the processing date. The currency conversion rate calculated in this manner 
that is in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. 

GENERAL PROVISIONS 
15. Accepting this Agreement.
This  Agreement  will  be  effective  on  either  the  date  you  sign  or  otherwise  submit  an  application  for  the  Account  that  we  approve  or  the 
date  you  use,  or  someone  you  authorized  uses,  the  Card  or  the  Account,  whichever  is  earlier.  You  agree  that  by  using  the  Account 
or  the  Card,  signing  an  Account  application  or  other  Account  document  or  otherwise  accepting  the  Account  or  the  Card,  you  accept 
the terms and conditions of this Agreement. 

16. Promise to Pay.
By  using  your  Card  or  your  Account,  you  promise  to  pay  us  for  all  Transactions  made  on  your  Account,  as  well  as  any  fees,  interest 
charges  or  other  charges.  If  this  is  a  joint  Account,  each  of  you,  together  and  individually,  is  responsible  for  all  amounts  owed,  even 
if only one of you uses the Account. 

17. Your Responsibility.
You  are  responsible  for  all  Transactions  and  other  amounts  posted  to  your  Account  arising  from  the  authorized  use  of  your  Account 
or  Card.  If  you  have  authorized  another  person  to  use  your  Account  or  Card  in  any  way,  we  will  deem  your  authorization  to  include 
the authorization to make Transactions of any kind using your Account or Card and to incur related fees and charges. 

We  will  also  deem  your  authorization  to  continue  until  you  revoke  it  by  preventing  that  person  from  using  your  Account  or  Card.  We 
are  not  responsible  for  controlling  any  person  whom  you  have  asked  us  to  add  to  your  Account  or  someone  you  let  use  your  Account 
or  Card.  You  should  think  carefully  before  allowing  anyone  to  become  an  authorized  user  on  your  Account  because  you  are  allowing 
that  person  to  use  the  Account  as  you  can.  If  you  wish  to  remove  that  person’s   ability  to  use  your  Account  or  Card,  you  must  notify 
us in writing. This notice will not be effective until we receive and have had a reasonable opportunity to act on it. 

OUR RIGHTS AND HOW THEY AFFECT YOU 
18. Delays in Enforcement.
We  can  delay  enforcing  or  not  enforce  any  of  our  rights  under  this  Agreement  without  losing  our  right  to  enforce  them  in  the  future. 
For  example,  we  may  accept  late  payments  or  payments  that  are  marked  “payment  in  full”  or  with  other  restrictive  endorsements 
without losing any of our rights under this Agreement. 

19. Termination. 
Subject  to  Applicable  Law,  we  may  terminate  this  Agreement  or  revoke  your  right  to  use  your  Account  or  Card,  along  with  your  right 
to  make  future  Transactions,  at  any  time  and  for  any  reason  without  notice  to  you.  You  or  anyone  you  authorized  to  use  the  Card  or 
Account  may  terminate  your  Account  and  use  of  your  Card  at  any  time  by  calling  us  at  866-488-0017,  or  writing  to  us  at  Fifth  Third 
Bank,  MD:  1MOC2G,  5050  Kingsley  Drive,  Cincinnati,  Ohio  45227.  Any  request  to  terminate  your  Account  will  be  effective  after 
we  have  had  a  reasonable  opportunity  to  act  on  such  request.  The  termination  of  this  Agreement,  whether  initiated  by  us  or  you,
will  not  affect  any  of  your  or  our  rights  and  obligations  under  this  Agreement.  If  this  Agreement  is  terminated,  you  must  still  repay 
any  amounts  you  owe  us,  even  if  we  allow  a  Transaction  to  be  completed  with  your  Account  or  Card  after  this  Agreement  has  been 
terminated.  You  agree  to  give  to  us  or  to  destroy  all  of  the  Cards  issued  on  your  Account  when  we  ask  you  to  or  when  this Agreement 
is  terminated.  If  someone  attempts  to  use  a  Card  after  this  Agreement  is  terminated,  the  Card  may  be  retained.  A  Card  also  may  be 
retained when you try to use it when certain other events occur. 

20. Default. 
Subject to Applicable Law, your Account will be in default under this Agreement if any one of the following occurs: (a) you become
generally unable to pay your debts, (b) you die or are declared legally incompetent, (c) you use a check or instrument for payment 
that is dishonored, (d) you fail to pay the Minimum Payment Due on or before your Payment Due Date, (e) any other creditor tries
by legal process to take money of yours in our possession, (f) a petition is filed or other proceeding is commenced by or against
you under the federal bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us with any false or 
misleading information, (h) you breach any of your other obligations under this Agreement, (i) you are in default of any other credit
agreement you have with us or any of our affiliates, or (j) we believe in good faith that you may not pay or perform your obligations
under this Agreement. The payment of any fee charged by us will not cure the default that caused the fee. 

21. Our Additional Rights When You Are in Default.
If  your  Account  is  in  default  under  this  Agreement,  we  may,  subject  to  Applicable  Law,  (a)  require  you  to  pay  any  portion  of  your 
outstanding  Account  balance  immediately,  (b)  allow  you  to  repay  your  Account  subject  to  the  terms  and  conditions  of  this  Agreement, 
(c) immediately  terminate  your  Account  and  cancel  all  Cards,  (d)  reduce  your  Account  Total  Amount  of  Extended  Credit  or  otherwise 
limit  your  ability  to  make  Transactions  as  discussed  in  this  Agreement,  (e)  commence  a  legal  proceeding  against  you  to  collect  all 
amounts  owed  in  connection  with  this  Agreement,  or  (f)  increase  the  APR  for  Purchases  and  Cash  Advances.  We  also  may  charge 
you  court  costs  and  reasonable  attorneys’   fees  that  we  actually  incur,  as  permitted  by  Applicable  Law,  if  your  Account  is  sent  for 
collection  to  an  attorney  who  is  not  our  salaried  employee.  We  will  not  be  obligated  to  honor  any  attempted  use  of  your  Card  or  your 
Account  if  your  Account  is  in  default,  or  we  have  decided  to  terminate  your  Account  or  limit  your  ability  to  make  Transactions  as 
discussed  in  this  Agreement.  Except  as  otherwise  provided  for  in  this  Agreement,  interest  charges  will  continue  to  accrue  at  the  APR 
in  effect  at  the  time  of  default  until  your  total  Account  balance,  including  such  accrued  interest  charges,  is  paid  in  full.  You  agree  that, 
subject  to  Applicable  Law,  if  your  Account  is  in  default  under  this  Agreement,  you  will  accept  calls  from  us  at  your  home  and  your 
place  of  business  regarding  collection  of  your  Account.  You  understand  and  agree  that  the  calls  to  your  home  may  be  automatically 
dialed  and  a  recorded  message  may  be  played.  You  agree  such  calls  will  not  be  considered  “unsolicited”  calls  or  telemarketing  calls 
for purposes of state or federal law. 

5 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
22. Re-evaluation of Financial Condition and Credit History.
We may reevaluate your financial condition and investigate any information you provided on your Account application at any time. 
In the course of doing so, we may obtain a current credit report and ask you for additional information about your financial condition
by completing a Personal Financial Statement or such other form that we request from time to time. You give us your permission to
obtain any information about you that we believe would be beneficial to facilitate our determination of your eligibility for the Account
and the Card, including credit reports from consumer reporting agencies. We may, as a result of any such re-evaluation, (i) increase 
your credit line; (ii) decrease your credit line; or (iii) deem your Account to be in default. 

COMMUNICATIONS WITH US. 

23. Contact Us. 
Unless   we   tell   you   otherwise,   you   can   notify   us   at   Fifth   Third   Bank,   Customer   Service,   MD:   1MOC2G,   5050   Kingsley   Drive, 
Cincinnati,  OH  45227,  or  call  us  at  800-972-3030.  When  writing,  please  include  your  name,  address,  home  telephone  number  and 
Account number. 

24. Contact with You. 
To the extent permitted by applicable law, you authorize us and our affiliates, agents, and contractors, and anyone to whom we may
sell your Account, to contact you to service your account or for collection purposes. 

•  You agree that these contacts are not unsolicited for purposes of any state or federal law; 

•  To  contact  you  in  any  way,  including  mail,  email,  calls,  and  texts,  including  on  a  mobile,  wireless,  or  similar  device,  even  if  you  are 

charged by your provider, and using automated telephone equipment or prerecorded messages; 

•  To  contact  you  at  any  number  that  you  have  given  us  or  any  number  we  have  for  you  in  our  records,  including  your  cellular  or 
other  wireless  device,  even  if  that  number  is  a  wireless,  cellular  or  mobile  number;  is  converted  to  a  mobile/wireless  number;  or 
connects  to  any  type  of  mobile/wireless  device;  and  even  if  such  telephone  number  is  currently  listed  on  a  Do  Not  Call  Registry. 
You understand that communications may result in additional mobile, text message, data charges or other charges. 

•  To  contact  you  at  any  email  address  you  provide  to  us  or  any  other  person  or  company  that  provides  any  services  in  connection 

with this Agreement. 

25. Monitoring and Recording.
You authorize us to monitor and/or record your calls with us. 

26. Military Lending Act Protections.
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not
exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The 
costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any
application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation
fee charged (other than certain participation fees for a credit card account). To receive this disclosure by phone, please call 
877-899-0815, option 4. 

ARBITRATION AND JURY TRIAL WAIVER 

NOTE:   If   you   are   a   Covered   Borrower   under   the   Military   Lending   Act   Regulations,   you   are   not   required   to   submit   to 
arbitration  in  the  case  of  a  dispute.  If  you  were  a  Covered  Borrower  under  the  Military  Lending  Act  Regulations  with  regard 
to any prior agreement, this arbitration clause does not cover any claims related to that prior agreement. 

27. Claim. Any  claim,  dispute  or  controversy  between  you  and  us  arising  from  or  relating  to  this  Agreement,  any  prior  agreement 
that you may have had with us or the relationships resulting from the Agreement or any prior agreement, including the validity, 
enforceability or scope of this provision, the Agreement or any prior agreement. Claim includes claims of every kind and nature, 
including but not limited to initial claims, counterclaims, cross-claims and third-party claims and claims based upon contract, tort, 
fraud and other intentional torts, statute, common law and equity. The term Claim is to be given the broadest possible meaning and 
includes, by way of example and without limitation, any claim, dispute or controversy that arises from or relates to (a) the Account 
created by the Agreement or any prior agreement or any balances on the Account, (b) the Card, (c) the EFT services or Ready
Reserve Overdraft Protection feature, (d) advertisements, promotions or oral or written statements related to the Card, the Account
or the terms of financing, and (e) your use of the Card and the Account. 

If you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. We cannot elect to arbitrate a Claim with a 
Covered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead of litigated 
in court under the circumstances and procedures set forth below. If arbitration is elected, any Claim will be resolved pursuant to 
this provision and the American Arbitration Association (“AAA”) rules and procedures (“Rules”) in effect at the time the Claim is
filed. (If for any reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another nationally recognized
arbitration organization utilizing similar rules and procedures will be substituted by us.) 

With respect to Claims covered by this provision, if you have asserted a Claim in a lawsuit in court you may elect arbitration with 
respect to any Claim subsequently asserted in that lawsuit by any other party or parties. If we have asserted a Claim in a lawsuit in 
court, we may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other party or parties, only if 
no other party is a Covered Borrower. 

6 

IF ARBITRATION IS CHOSEN WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE 
THAT  CLAIM  IN  COURT  OR  HAVE  A  JURY  TRIAL  ON  THAT  CLAIM,  OR  TO  ENGAGE  IN  PREARBITRATION  DISCOVERY 
EXCEPT  AS  PROVIDED  FOR  IN  THE  AAA  RULES.  FURTHER,  YOU  WILL  NOT  HAVE  THE  RIGHT  TO  PARTICIPATE  AS  A 
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. 
EXCEPT  AS  SET  FORTH  BELOW,  THE  ARBITRATOR’S  DECISION  WILL  BE  FINAL  AND  BINDING.  NOTE  THAT  OTHER 
RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. 

The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by visiting the AAA’s Web site at www.adr.org. 
All Claims must be filed at any AAA office. 

There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration hearing that you attend will take 
place in the federal judicial district in which you reside. At your written request, we will temporarily advance up to $500 towards
the filing, administrative and/or hearing fees for any Claim that you may file against us after you have paid an amount equivalent 
to the fee, if any, for filing such a Claim in state or federal court (whichever is less) in the judicial district in which you reside. At the 
conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, administrative and/or
hearing fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will bear the expense of that 
party’s attorneys’, experts’ and witness fees, regardless of which party prevails in the arbitration. 
This  provision  is  made  pursuant  to  a  transaction  involving  interstate  commerce  and  will  be  governed  by  the  Federal  Arbitration 
Act, 9 U. S. C. §§ 1 et seq., as amended  (“FAA”). The arbitrator will apply applicable substantive law consistent with the FAA and 
applicable statutes of limitations and will honor claims of privilege recognized at law. Judgment upon the award rendered by the
arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will be final and binding, except for any right of
appeal provided by the FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal the award to 
a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the initial award requested by the 
appealing party. The decision of the panel will be by majority vote. The costs of such an appeal will be borne by the appealing party 
regardless of the outcome of the appeal. 

As solely used in this provision, the terms we and us will for all purposes mean Fifth Third Bank, National Association, all of its
parents, wholly- or majority-owned subsidiaries, affiliates, predecessors, successors and assigns, and all of their independent
contractors, agents, employees, directors and representatives. 

This provision will survive termination of your Account, as well as the repayment of all outstanding amounts incurred in connection 
with this Agreement. If any portion of this provision is deemed invalid or unenforceable under any law or statute consistent with
the FAA, it will not invalidate the remaining portions of this arbitration provision or the Agreement. In the event of a conflict or
inconsistency between the AAA Rules and this arbitration provision, this provision will govern 

28. Changes to this Agreement.
Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by 
adding, deleting or modifying any provision (including increasing any rate of interest charge, increasing or adding fees or charges
(including  annual  fees),  changing  the  method  of  computing  balances  subject  to  interest  charge,  changing  your  Total  Amount  of 
Extended Credit, changing the date upon which interest charges begin to accrue, changing the Minimum Payment Due or limiting
the number or amount of Transactions on your Account). Any such changes will generally be effective immediately unless we are 
required by Applicable Law to provide you with advance written notice of the proposed changes. If this is the case, those changes 
will be effective immediately following the effective date stated in the notice. Subject to Applicable Law, any such changes will apply 
to your outstanding Account balance on the effective date of the change and to any future balances created after that date. If we 
give you the right to reject a change (whether because it is required by Applicable Law or otherwise), and you do not notify us by the 
date stated in a notice, or if you notify us but then use your Account after the date stated in the notice, you will be deemed to accept
all changes in the notice and to accept and confirm all terms of your Agreement and all changes in prior notices we have sent you,
regardless of whether you have access to your Account. If you reject a change that we make, we will close your Account. No change 
to any term of this Agreement will affect your obligation to pay all amounts you owe under this Agreement. 

29. Waiver of Rights.
Except as may be prohibited by Applicable Law, you agree to waive any right you may have for us to act promptly in bringing any
action(s) against you (known as diligence); to demand payments of amounts due (known as presentment); to obtain an official
certification of non-payment (known as protest); and to give notice that amounts due will not be paid (known as notice of dishonor
or notice of default and non-payment). 

30. Change of Address.
We will rely on the address we have for you in our records for any Account communications we send to you unless and until either
you or the U.S. Postal Service notifies us of a change of address and we have had a reasonable opportunity to act on such notice. If
your Account is a joint Account, each of you appoints the other as your agent to designate the address to which any and all Account 
communications, including the Account Statement, may be sent to you. 

31. Correspondence.
To the extent permitted by Applicable Law, any communication you send to us will not be effective until we receive it and have had 
a reasonable opportunity to act on it. Any communication we send to you will, however, be effective and deemed delivered when 
mailed to you at your address as it appears on our records. 

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 Account, or any balance due thereunder, and our rights and obligations under this Agreement 
to another entity without your consent and without prior notice. That entity will take our place in this Agreement. 

7 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
33. Severability.
If  any  provision  of  this  Agreement  is  deemed  to  be  void  or  unenforceable  by  a  court  of  competent  jurisdiction,  or  any  governmental 
agency,  that  provision  will  continue  to  be  enforceable  to  the  extent  permitted  by  that  court  or  agency,  and  the  remainder  of  that 
provision  will  no  longer  be  considered  as  part  of  this  Agreement.  All  other  provisions  of  this  Agreement  will,  however,  remain  in  full 
force and effect. 

34. Governing Law.
This  Agreement  is  entered  into  between  you  and  us  in  the  State  of  Ohio,  and  your  Account  and  this  Agreement,  and  any  claim,
dispute  or  controversy  arising  from  or  relating  to  your  Account  or  this  Agreement,  whether  based  in  contract,  tort,  fraud  or  otherwise
and regardless of the place where you live, is governed by, and construed in accordance with, the laws of the State of Ohio, without
regard to Ohio’s conflict of laws principles, and applicable federal laws and regulations. The legality, enforceability and interpretation
of  this  Agreement  and  the  amounts  contracted  for  under  this  Agreement  also  are  governed  by  Ohio  law  and  applicable  provisions
of federal law, and all amounts granted under this Agreement are extended from the State of Ohio. 

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   incorporated   by   reference   into   this   Agreement,   make   up   the   entire   agreement   between   you   and   us 
and  supersedes  and  may  not  be  contradicted  by  evidence  of  any  prior  or  contemporaneous  written  or  oral  communications  and 
understandings  between  you  and  us  concerning  the  Account  and  the  Card.  Neither  you  nor  we  intend  that  anything  in  this  Agreement
should result in the assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or charge assessed
under this Agreement is finally determined to be in excess of that permitted by Applicable Law, the excess amount will be applied to
reduce  the  outstanding  balance  in  your  Account  or,  if  there  is  no  outstanding  balance,  will  be  refunded  to  you.  You  agree  that  any
documentation  provided  to  you  that  indicates  that  a  Transaction  was  made  shall  be  admissible  as  evidence  of  such  Transaction  and
shall be proof that such transaction or transfer was made. 

36. Questions. 
If you have any questions about this Agreement or your Card, please contact us at 800-972-3030. 

37. Section Headings.
The Section headings used in this Agreement are only meant to organize this Agreement, and do not in any way limit or define your
or our rights or obligations hereunder. 

READY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND TRANSFER AND ELECTRONIC BANKING SERVICES 

38. Ready Reserve Overdraft Protection.
You  may  set  up  this  Account  to  cover  overdrafts  on  your  checking  account.  If  you  do,  then  the  terms  of  this  Agreement  and  the 
Deposit  Account  Rules  &  Regulations will  apply.  For  purposes  of  this  Agreement,  Ready  Reserve  Overdraft  Protection  transactions
will  be  treated  as  Cash  Advances,  subject  to  the  Cash  Advance  APR.  If  you  enroll  in  Ready  Reserve  Overdraft  Protection,  you  may 
use  your  credit  card  to  withdraw  from  your  checking  account  at  an  ATM  by  entering  your  PIN  and  selecting  withdraw  from  checking
when prompted. 

39. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking Services.
If  you  use  your  Card  as  an  ATM  card,  the  terms  of  this  Agreement  and  your  checking  account  agreement  titled, Deposit  Account 
Rules & Regulations, will apply. 

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at: 

Fifth Third Bank, Attn: Disputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, Ohio 45227. 

You may also contact us at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) and Saturday 8:30 AM to 5 PM (EST). 

In your letter, give us the following information: 

•  Account Information: Your name and Account number. 

•  Dollar amount: The dollar amount of the suspected error. 

•  Description  of  Problem: If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is  wrong  and  why  you  believe  it  is 

a mistake. 

You must contact us: 

•  Within 60 days after the error appeared on your statement. 

•  At   least   3   Business   Days   before   an   automated   payment   is   scheduled,   if   you   want   to   stop   payment   on   the   amount   you   think 

is  wrong. 

You  must  notify  us  of any  potential  errors  in  writing  or  by  calling  us.  You  may  still  be  required  to  pay  the  amount(s)  in  question  if  the 
Bank  determines the transaction  is  not an  error.  If you  believe  fraud  has  occurred  on  your  account,  please  call  as soon  as possible
at 800-972-3030. 

8 

What Will Happen After We Receive Your Letter. 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter.

We will also tell you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report you as delinquent on that amount. 

•  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 

•  We can apply any unpaid amount against your Total Amount of Extended Credit.

After we finish our investigation, one of two things will happen: 

•  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 

•  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.

We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you
do not pay the amount we think you owe. 

If  you  receive  our  explanation  but  still  believe  your  bill  is  wrong,  you  must  write  to  us  within 10  days  telling  us  that  you  still  refuse 
to  pay.  If  you  do  so,  we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are  questioning  your  bill.  We  must  tell  you 
the  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those  organizations  know  when  the  matter  has  been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question, even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Card Purchase. If you are dissatisfied with the goods or services that you have
purchased  with  your  Card,  and  you  have  tried  in  good  faith  to  correct  the  problem  with  the  merchant,  you  may  have  the  right  not  to 
pay the remaining amount due on the Purchase. To use this right, all of the following must be true: 

1. The  Purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  your  current  mailing  address,  and  the  Purchase 
price  must  have  been  more  than  $50.  (Note:  Neither  of  these  are  necessary  if  your  purchase  was  based  on  an  advertisement 
we mailed to you, or if we own the company that sold you the goods or services.) 

2. You must have used your Card for the Purchase. Purchases made with Cash Advances from an ATM do not qualify. 

3. You must not yet have fully paid for the Purchase. 

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: Fifth Third Bank, 
Attn: Disputes Resolution Department, MD: 1MOCBX, 5050 Kingsley Drive, Cincinnati, Ohio 45227. 

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell
you our decision. At that point, if we think you owe us an amount and you do not pay, we may report you as delinquent. 

Fifth  Third Bank, National  Association. Member FDIC. 

F03-S925-2 -1120 
9 

Fifth Third Private Bank Card Fees and Credit Disclosures 

Interest Rates and Interest Charges 

Annual Percentage Rate
(APR) for Purchases and
Balance Transfers 

9.24%. This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

24.99% 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 23 days after the close of each Billing Cycle. We will not charge you 
interest on Purchases if you pay your entire balance by the due date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1.50. 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Consumer Financial Protection Bureau 
at http://www.consumerfinance.gov/learnmore. 

Fees 

Annual Fees 

• Annual Fee 

Transaction Fees 

None 

• Balance Transfer 

Either $5 or 4% of the amount of each transfer, whichever is greater. 

• Cash Advance 

Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 

• Convenience Check 

Either $5 or 4% of the amount of each check, whichever is greater. 

• International Transaction 

None 

Penalty Fees 

• Late Payment 

Up to $40. 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
Agreement. 

Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 10/01/2020. 

Variable APRs for Purchases and Balance Transfers: The purchase and Balance Transfer APR is calculated using the Prime 
Rate ("Prime") plus a margin (percentage we add to Prime) of 5.99%. 

Daily Periodic Rate for purchases and Balance Transfers is 0.02531%. The Daily Periodic Rate for Cash Advances is 0.06828%. 

Variable Based on Prime: The Prime Rate means the Prime Rate published in the "Money Rates" section of the online version of 
The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your Billing Cycle. 
Changes to the Daily Periodic Rate and corresponding APR for Purchases and Balance Transfers will be applied to your existing 
Account balance and to subsequent transactions effective the ﬁrst day of the Billing Cycle in which we determine the interest 
rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily Periodic Rate and the APR, 
and as a result, the interest charge and the Minimum Payment Due will change and may result in a smaller part of your payment 
being applied to reduce principal. 

Information is accurate as of 10/01/2020 and may have changed after that date. To obtain more recent information, please call us 
at 800-972-3030