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    FIFTH THIRD BANK CARD AGREEMENT for Visa Signature Card and VISA Signature Preferred Banking Credit Card
     VISATERM 654363                Effective May 1, 2012
    This Agreement governs the terms and conditions of your Account. You should retain and  International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or 
    carefully review this entire Agreement. You and we agree as follows: in a foreign currency.
                                            Minimum Amount Due: The minimum amount you must pay by the Payment Due Date 
    We give this Agreement to our customers when they are approved for an Account, or when they  shown on the front of your Account Statement.
    request it. By opening an Account and making Transactions, you agree to use this Account only  Monthly Periodic Rate: The periodic rate that applies to certain Transactions calculated on 
    for personal, family or household purposes and to comply with this entire Agreement. Unless  a monthly basis.
    otherwise speci?ed, the words you, your and yours mean anyone who applied to us for  New Balance: The new balance on your Account shown on the front of your 
    an Account and whose application we have approved, and who uses the Account with your  Account Statement.
    permission. The words we, our, us and Fifth Third mean Fifth Third Bank and its 
                                            Non-Revolving Credit Line:  The amount of your credit line over your Revolving 
    successors and assigns.
                                              Credit Line.
                                            Payment Address: The remittance address indicated on the front of your 
    DEFINITIONS                               Account Statement.
    AAA: The American Arbitration Association. Payment Due Date: The date shown on the front of your Account Statement by which we 
    AAA Rules: The AAA Rules and Procedures.  must receive payment for the Billing Cycle.
    Account: Unless the context provides otherwise, your credit card account that you can  PIN: Personal identi?cation number.
      access with your Card.                POS: Point of sale.
    Account Statement: The periodic statement we mail to you in connection with  Purchase: A purchase or lease of goods or services made with your Card or your Account.
      your Account.
                                            Ready Reserve: An optional feature of your Account whereby you may link a checking 
    Agreement: This Fifth Third Bank Card Agreement for VISA Signature Card and VISA  account to your Account to cover overdrafts on the checking account.
      Signature Preferred Banking Credit Card.
                                            Revolving Credit Line: The amount of your Account balance that you are permitted to pay 
    Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations,  over time.
      licensing requirements, regulatory bulletins or guidance, regulatory examinations, 
                                            Total Amount of Extended Credit: Your Revolving Credit Line and your Non-Revolving 
      agreements or orders, (b) rule, regulation, restriction, requirement or contractual term of 
                                              Credit Line.
      Visa or other card network, and (c) judicial or administrative interpretations of any of  
      the foregoing.                        Transaction: A Purchase or a Cash Advance.
    APR: Annual percentage rate.            U.S.: United States.
    ATM: Automated teller machine.          Visa: Visa International.
    Bank Account: If you use your Card as an ATM card, your savings or checking account that  WSJ Prime Rate: The highest prime rate published in the �Money Rates� section of the 
      you maintain with us primarily for personal, household or family purposes and designate for  online version of The Wall Street Journal.
      use with your Card.
    Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is  HOw TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
      approximately one month long.
                                            1. Card Transactions, Purchases and Cash Advances.
    Business Day: Monday through Friday, excluding holidays.
                                            You may use your Account and your Card to make a Purchase or obtain a Cash Advance by 
    Card: Unless the context provides otherwise, each VISA Signature Card and VISA Signature  presenting your Card or your Account number to participating merchants and establishments 
      Preferred Banking Credit Card that we issue on your Account. where the Card is honored. We will also treat as a Cash Advance any transaction using  
    Cash Advance: A transaction in which you (a) use your Card to get cash from an ATM;  Ready Reserve.
      (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 
                                            You may also use your Card to transfer balances from other creditors, to make other 
      instruments) from your Account; (c) use a Convenience Check or access Ready Reserve,  
                                            transactions by means of balance transfer coupons or checks, or for any other transactions that 
      or (d) use your Card or your Account number to make a person-to-person transfer conducted 
                                            we encourage you to make through an introductory or promotional offer, in accordance with 
      through the Internet or otherwise. 
                                            the additional terms and conditions that we may offer from time to time. Unless we tell you 
    Claim: Any claim, dispute or controversy between you and us arising from or relating to  otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 
      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  You agree that any debt incurred using your Account or your Card is valid, regardless of the 
      every kind and nature, including but not limited to initial claims, counterclaims, cross-claims  purpose of the Transaction.
      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 
                                            Purchases from a merchant that are directly convertible to cash (sometimes called �quasi-cash� 
      meaning and includes, by way of example and without limitation, any claim, dispute or 
                                            transactions), such as purchases of casino gaming chips, money orders, wire transfer services, 
      controversy that arises from or relates to (a) the Account created by the Agreement or any 
                                            travelers cheques or foreign currency, may not be permitted with your Card. You may not use 
      prior agreement or any balances on the Account, (b) advertisements, promotions or oral or 
                                            your Card or your Account for any illegal transaction or any gambling transaction. We reserve 
      written statements related to the Account or the terms of ?nancing, and (c) your use of 
                                            the right to decline any such transaction without notice.
      the Account.
    Convenience Check: A check that may be used to access your Account.
                                            Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
    Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt 
                                            dollar amounts of any Transactions, even if you have suf?cient available credit. We may also 
      protection product that may be made available to you for purchase.
                                            terminate or suspend your use of your Account and Card and access to your Account without 
    Current Billing Cycle: A Billing Cycle that just ended. notice unless prohibited by Applicable Law.
    EFT: Electronic funds transfer.          
    FAA: Federal Arbitration Act.
    Foreign Transaction: A Transaction that occurs or is submitted to us from outside the United 
      States or in a foreign currency.
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    2. Credit Limit.                        PAYING YOUR BILLS
    Your Card allows you to pay your Account balance in full each month or pay a portion of  7. Periodic Account Statements. Except as otherwise stated in this Agreement, we will 
    your Account balance over time. There is no preset spending limit on your Account. No preset  send you an Account Statement. Unless you make other arrangements with us, your Account 
    spending limit does not mean unlimited spending. Your Revolving Credit Line will be disclosed in  Statement will be mailed to you by regular mail to your address as it appears on our records.
    the document that accompanies your Card and on your Account Statements.
                                            We will send your Account Statement for each Billing Cycle at the end of which your Account 
    We will not disclose your Non-Revolving Credit Line; rather, we will evaluate each charge that  has a debit or credit balance in excess of $1.00 or on which a ?nance charge has been 
    causes your Account balance to exceed your Revolving Credit Line based on a variety of factors,  imposed. Generally, you will receive 12 Account Statements each year your Account is open.  
    including your Account spending and history, your experience with us and other creditors  We will not send your Account Statement if (a) we deem your Account uncollectible,  
    and information we obtain from credit bureaus. Subject to Applicable Law, we may refuse to  (b) delinquency collection proceedings have been instituted, or (c) for any other reason 
    authorize or accept any Transaction on your Account or Card at any time as described in this  permitted by Applicable Law. 
    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 
                                            8. Payments. Your payment is due on or before the Payment Due Date shown on your 
    amount of Transactions on your Account based on an evaluation of various factors; or refuse or 
                                            Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
    limit your access to your Non-Revolving Credit Line. We will promptly notify you in the event we 
                                            Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance, 
    decide to reduce your Revolving Credit Line.
                                            (b) 0.5% of the New Balance plus total billed ?nance charges and any fees, or (c) $35.00. 
                                            Any New Balance less than $35 is payable in full. The Minimum Amount Due shown on your 
    Your Account Statement may also show that only a portion of your Revolving Credit Line may  Account Statement will also include any amount past due and any amount by which your 
    be used for Cash Advances. Cash Advances, including Convenience Checks and Ready Reserve  Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
    transactions, are charged against the cash portion of your Revolving Credit Line. Unless we  instrument drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money 
    inform you otherwise, your Cash Advance credit limit will be up to 50% of your Revolving  order. Payments must be denominated in U.S. dollars.
    Credit Line.                            All payments submitted by mail, except disputed payments, must be mailed or delivered to us 
                                            at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on any Business 
                                            Day will be credited on the next Business Day. Credit to your Account may be delayed for up to 
    3. Convenience Checks. We may issue Convenience Checks to you, which may be used 
                                            5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. dollars 
    to access your Account. We will treat any Convenience Check issued to you that we pay as a 
                                            drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money order, or (c) 
    Cash Advance (except for a Convenience Check issued to you as part of a promotional offer 
                                            not accompanied by the top portion of your Account Statement. Delayed crediting may cause 
    which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the 
                                            you to incur additional fees and ?nance charges. (You understand that payments submitted by 
    amount of the Convenience Check from your Cash Advance credit limit. Each Convenience Check 
                                            mail may not be made, and may not be deemed received by us, at any location other than the 
    must be denominated in U.S. dollars and completed and signed by you in the same manner 
                                            Payment Address.) All credits for payments to your Account are subject to ?nal payment by the 
    as a personal check. If we provide you with Convenience Checks for your Account, you may 
                                            institution on which the item of payment was drawn. 
    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  Although we may post payments as of the date we receive them, your Revolving Credit Line 
    Advance credit limit; (b) your Account is not in good standing or you are otherwise in default of  may not be restored for up to 7 days after we receive your payment. If the Minimum Amount 
    this Agreement; (c) your Card or Convenience Checks have been reported lost or stolen or your  Due is to be automatically deducted from your checking or savings account with us, you agree 
    Account may have been subject to unauthorized use; (d) you use a Convenience Check to pay  to have on deposit in that account on the Payment Due Date available funds equal to the 
    any amount you owe on your Account; or (e) for any other reason. We will not be liable if we  Minimum Amount Due. 
    choose to return any Convenience Check unpaid.
                                            Payments on your Account that exceed the Minimum Amount Due will be allocated ?rst to 
    LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER  the Account balance with the highest APR, and then to each consecutive Account balance 
    CONCERNS                                bearing the next highest APR, at the time payment is posted to your Account. Payments on 
    4. Unauthorized Use of Your Account or Card. If you notice the loss or theft of your  your Account that do not exceed the Minimum Amount Due will be applied in the following 
    Card or a possible unauthorized use of your Card or Account, you should write to us immediately  order: ?nance charges, fees, any applicable installment balance minimum amount due that is 
    at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263   calculated separately from the Minimum Amount Due, the Account balance with the lowest APR, 
    or call us at: 1-800-782-0279. We may still require you to provide notice in writing. then to each consecutive Account balance bearing the next lowest APR at the time payment is 
                                            posted to your Account.
    YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD 
    OF YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft  We may, in our sole discretion, offer you the ability to make your payments on an expedited 
    or possible unauthorized use of your Account or Card, we may require you to provide us  basis. When you authorize us to process an expedited payment to your Account, we may 
    information in writing or other assistance to help us ?nd out what happened. We may also  charge you a fee. The amount of the fee will be disclosed to you at the time of the payment. 
    require you to comply with certain procedures in connection with our investigation. Unless  We are not responsible if your ?nancial institution dishonors an expedited payment for any 
    prohibited by Applicable Law, we will deem any such use as having been authorized by you,  reason, and we will retain the fee in those circumstances.
    and you will be liable for the amount of any Transactions plus ?nance charges and fees and 
    other charges incurred with any such use, if you fail to provide us with any such information  9. Prepayment. You may pay without penalty any portion of the entire New Balance or 
    or assistance or to comply with such procedures. Unauthorized Card or Account use does not  more than your Minimum Amount Due before the Payment Due Date. You understand that by 
    include use of your Card or your Account by any person you have authorized to use your Card  making a prepayment, the total amount you owe us will be reduced but that you must pay the 
    or Account.                             Minimum Payment Due in successive Billing Cycles as re?ected in your Account Statement.
    5. Limitation of Your Liability. You will not be liable for any unauthorized use that occurs  DETERMINATION OF FINANCE CHARGES
    after you notify us. You may, however, be liable for unauthorized use that occurs before your 
                                            10. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing the 
    notice to us. In any case, your liability will not exceed $50. This section does not apply when  
                                            applicable APR by 12. 
    a PIN is used as your identi?cation method.
                                            11. Minimum Finance Charge. If you incur ?nance charges in any Billing Cycle that 
    6. Third-Party Claims or Defenses. We are not responsible if a third party refuses 
                                            total less than $1.00, the ?nance charge that will be charged to your Account is $1.00.
    to accept or honor your Card or Account, even if you have suf?cient 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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    12. APR.                                computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash 
                                            Advances for the purpose of computing the average daily balance for Cash Advances. We 
    (a) Purchases and Cash Advances.
                                            calculate the balances of Purchases that are subject to a ?nance charge separately, based on 
    APR for Purchases and Cash Advances. Documents accompanying your Card, which 
                                            the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
    are incorporated by reference into this Agreement, disclose the APR for Purchases and Cash 
                                            balance of Cash Advances that is subject to a ?nance charge separately, based on the average 
    Advances in effect when your Account is opened. 
                                            daily balance of those Cash Advances in the Current Billing Cycle. To determine the average 
    Variable APR for Purchases. If the APR for Purchases is a variable rate based on the  daily balance for each type of Transaction (that is, Purchases and Cash Advances) during the 
    WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable  Current Billing Cycle, we take the beginning balance of each type of Transaction each day, add 
    margin for those Transactions to the WSJ Prime Rate. (A �margin� is the percentage we add to  any new Transactions of that type, and subtract any payments or credits applied to that type 
    the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), but  of Transaction that day. This gives us the daily balance for that type of Transaction. The daily 
    will not exceed 24.99% (corresponding Monthly Periodic Rate of 2.0825%). Any increase or  balance for each type of Transaction is considered to be $0 for any day on which those portions 
    decrease in the WSJ Prime Rate will result in an increase or decrease in your Monthly Periodic  of your Account have a credit balance. Then, we add all of the daily balances for the Current 
    Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will  Billing Cycle and divide the total by the number of days in the Current Billing Cycle. This gives 
    change and may result in a smaller part of your payment being applied to reduce principal.  us an average daily balance of each type of Transaction for your Current Billing Cycle.
    We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. 
                                            (b) Finance Charges. No ?nance charges (other than International Transaction Fees) will be 
    Changes to the Monthly Periodic Rate and corresponding APR for Purchases will be applied to 
                                            imposed on Purchases if you pay in full the New Balance shown on the Account Statement for 
    your existing Account balance and to subsequent Transactions effective as of the ?rst day of the 
                                            your Current Billing Cycle by the Payment Due Date. If you have not done so, a ?nance charge 
    Billing Cycle in which we determine the interest rate. If The Wall Street Journal does not publish 
                                            will accrue from the transaction date on Purchases at the applicable APR for Purchases until the 
    the prime rate, or if it changes the de?nition of prime rate, we may, at our sole discretion, 
                                            date payment in full is posted to your Account.
    substitute another index. 
    (b) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic Rate 
                                            A ?nance charge will be imposed on Cash Advances from the Transaction date and included in 
    and corresponding APR for Purchases and Cash Advances if you are in default of this Agreement, 
                                            the average daily balance of Cash Advances at the applicable APR for Cash Advances until the 
    or if we, in our sole discretion and from time to time, decide to take such action. (Please see 
                                            date payment in full is posted to your Account. There is no grace period or time period within 
    the sections of this Agreement entitled �Penalty APR for Payments Late by 60 Days or More,� 
                                            which to pay and avoid a ?nance charge on Cash Advances.
    �Penalty APR for Other Default,� �Changes to this Agreement� and �Default.�)
    (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  The total ?nance charge for a Billing Cycle is the sum of the ?nance charges for Purchases and 
    example, we may offer you a promotional APR to encourage speci?c transactions, such as  Cash Advances. To compute the periodic rate portion of ?nance charges for your Current Billing 
    transferring balances from accounts you have with others, or an introductory APR for Purchases  Cycle, we multiply the average daily balance of each type of your Transactions in the Current 
    when you open an Account. The period of time for which the introductory or promotional APR  Billing Cycle by the applicable Monthly Periodic Rates for that cycle. Fees for Cash Advances and 
    applies may be limited. Any introductory or promotional APR offer will be subject to the terms of  International Transactions, if any, are added to and included in the total ?nance charges for your 
    the offer and this Agreement.           Current Billing Cycle.
    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  14. Fees.
    or in materials we send you about the offer after you obtain your Card. If (i) we receive a 
                                            Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    Minimum Amount Due after its Payment Due Date; or (ii) (A) a check, similar instrument or 
                                            charge in the form of a balance transfer fee equal to the greater of $5.00 or 4% of the 
    electronic payment order that you have used for payment on your Account has been returned 
                                            total dollar amount of the balance you are transferring from another account to your Account.
    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  Annual Fee. Certain cards have an annual fee. If your Card has an annual fee, the amount 
    not honored for any reason, we may adjust the APR to the APR then in effect or the penalty  of the annual fee is disclosed in the application for your Account and also will be disclosed in 
    APR, as applicable.                     the document that accompanies your Card. This fee is assessed for the use of the Account and 
                                            associated services, and will be identi?ed as a fee on your Account Statement in the ?rst Billing 
    (d) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
                                            Cycle after you open your Account and annually thereafter.
    reserve the right to increase the APR to 24.99% (corresponding Monthly Periodic Rate of 
    2.0825%) on all new and outstanding Account balances each time we do not receive at least  Cash Advance Fee. We will assess a ?nance charge in the form of a Cash Advance fee 
    the Minimum Amount Due within 60 days of its Payment Due Date, including when we do not  equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
    receive the Minimum Amount Due because a check, similar instrument or electronic payment  on your Account.
    order that we receive as payment on your Account has been returned to us unpaid for any  Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment 
    reason, or we must return a check or other instrument because it is not signed or is otherwise  Due Date (within thirty days from the Payment Due Date if your Card is a VISA Signature 
    incomplete. Once you become subject to this penalty APR, we may change your APR for  Preferred Banking Credit Card opened before 2/14/2011), there is a late payment fee  
    outstanding balances back to the respective APRs in effect for your Account (not including any  of $25. Any subsequent late fees will be $35 until you make your required Minimum Amount 
    promotional APR), but only if you bring your Account current and then, for six (6) consecutive  Due by the Payment Due Date for six consecutive Billing Cycles. In any event, the late payment 
    Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other  fee will not be greater than your Minimum Amount Due for the Billing Cycle for which your 
    variable or ?xed APR that would otherwise apply to new and outstanding Account balances will  payment was late.
    change to this penalty APR. 
                                            International Transaction Fee. There is a ?nance charge in the form of a transaction 
    (e) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase  fee equal to 3% of the U.S. dollar amount of each Foreign Transaction. This fee will be in 
    the APR to 24.99% (corresponding Monthly Periodic Rate of 2.0825%) on all new  addition to any other applicable transaction fees.
    Transactions on your Account that occur more than 14 days after we send you notice of the 
                                            Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of 
    increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date but 
                                            your Card is expedited.
    before 60 days after its Payment Due Date; or (ii) (A) a check, similar instrument or electronic 
                                            Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
    payment order that you have used for payment on your Account has been returned to us unpaid 
                                            Card at your request.
    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  Convenience Check Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    for any reason. Once you become subject to this penalty APR, we may change your APR back  charge in the form of a convenience check fee equal to the greater of $5 or 4% of the total 
    to the respective APRs in effect for your Account (not including any promotional APR), but only  dollar amount of each convenience check used.
    if you bring your Account current, and then for six (6) consecutive Billing Cycles, you pay at 
    least the Minimum Amount Due by the Payment Due Date. Any other variable or ?xed APR that 
                                            We may institute a standard charge or charges for the issuance, reissuance or use of the Card 
    would otherwise apply to new Account balances will change to this penalty APR.
                                            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 
    13. Balance Subject to Finance Charge and Finance Charges. and fees.
    (a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/
    Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of 
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    15. Foreign Currency Transactions. If a Transaction is made in a foreign currency,  3. You must not yet have fully paid for the Purchase.
    we and Visa will convert the Transaction into a U.S. dollar amount. Visa will act in accordance  If all of the criteria above are met and you are still dissatis?ed with the Purchase, contact us in 
    with its operating regulations or conversion procedures in effect at the time the Transaction is  writing at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263.
    processed. Currently, its regulations and procedures provide that the currency conversion rate  While we investigate, the same rules apply to the disputed amount as discussed above.  
    used is either: (1) a wholesale market rate, or (2) a government-mandated rate in effect one  After we ?nish our investigation, we will tell you our decision. At that point, if we think you owe 
    day prior to the processing date. The currency conversion rate calculated in this manner that is  us an amount and you do not pay, we may report you as delinquent.   
    in effect on the processing date may differ from the rate in effect on the transaction date or the 
    posting date.
                                            GENERAL PROVISIONS
                                            17. Accepting this Agreement. This Agreement will be effective on either the date 
    16. Billing Errors. A statement of your right to dispute billing errors appears below.
                                            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  
    YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE that by using the Account or the Card, signing an Account application or other Account document 
    This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  or otherwise accepting the Account or the Card, you accept the terms and conditions of  
                                            this Agreement.
    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, MD 1MOC2G, 38 Fountain Square Plaza,  
    Cincinnati, Ohio 45263.                 18. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
    In your letter, give us the following information: 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 
    �  Account Information: Your name and Account number.
                                            owed, even if only one of you uses the Account.
    �  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 
                                            19. Your Responsibility. You are responsible for all Transactions and other amounts posted 
     is wrong and why you believe it is a mistake.
                                            to your Account arising from the authorized use of your Account or Card. If you have authorized 
    You must contact us:                    another person to use your Account or Card in any way, we will deem your authorization to 
    �  Within 60 days after the error appeared on your statement. 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 
    �  At least 3 Business Days before an automated payment is scheduled, if you want to stop 
                                            revoke it by preventing that person from using your Account or Card. We are not responsible 
     payment on the amount you think is wrong.
                                            for controlling any person whom you have asked us to add to your Account or someone you 
    You must notify us of any potential errors in writing. You may call us, but if you do, we are not  let use your Account or Card. You should think carefully before allowing anyone to become 
    required to investigate any potential errors and you may have to pay the amount in question. an authorized user on your Account because you are allowing that person to use the Account 
    What Will Happen After We Receive Your Letter.  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 
    When we receive your letter, we must do two things:
                                            opportunity to act on it.
    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.
                                            OUR RIGHTS AND HOw THEY AFFECT YOU
    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.    20. 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 
    While we investigate whether or not there has been an error:
                                            accept late payments or payments that are marked �payment in full� or with other restrictive 
    �  We cannot try to collect the amount in question, or report you as delinquent on that amount.
                                            endorsements without losing any of our rights under this Agreement.
    �  The charge in question may remain on your statement, and we may continue to charge you 
     interest on that amount.
                                            21. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
    �  While you do not have to pay the amount in question, you are responsible for the remainder 
                                            your right to use your Account or Card, along with your right to make future Transactions, at 
     of your balance.
                                            any time and for any reason without notice to you. You or anyone you authorized to use the 
    �  We can apply any unpaid amount against your Total Amount of Extended Credit. Card or Account may terminate your Account and use of your Card at any time by calling us 
    After we ?nish our investigation, one of two things will happen: at 1-800-972-3030, or writing to us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square 
                                            Plaza, Cincinnati, Ohio 45263. Any request to terminate your Account will be effective after we 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or 
                                            have had a reasonable opportunity to act on such request. The termination of this Agreement, 
     other fees related to that amount.
                                            whether initiated by us or you, will not affect any of your or our rights and obligations under 
    �  If we do not believe there was a mistake: You will have to pay the amount in question,  this Agreement. If this Agreement is terminated, you must still repay any amounts you owe us, 
      along with applicable interest and fees. We will send you a statement of the amount you  even if we allow a Transaction to be completed with your Account or Card after this Agreement 
      owe and the date payment is due. We may then report you as delinquent if you do not pay  has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
      the amount we think you owe.          Account when we ask you to or when this Agreement is terminated. If someone attempts to 
    If you receive our explanation but still believe your bill is wrong, you must write to us within  use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
    10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent  retained when you try to use it when certain other events occur.
    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 
                                            22. Default. Subject to Applicable Law, your Account will be in default under this Agreement 
    matter has been settled between us.
                                            if any one of the following occurs: (a) you become generally unable to pay your debts, (b) you 
    If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the amount  die or are declared legally incompetent, (c) you use a check or instrument for payment that 
    you question, even if your bill is correct. is dishonored, (d) you fail to pay the Minimum Amount Due on or before your Payment Due 
    Your Rights If You Are Dissatis?ed With Your Card Purchase. If you are dissatis?ed with the  Date, (e) any other creditor tries by legal process to take money of yours in our possession, 
    goods or services that you have purchased with your Card, and you have tried in good faith  (f) a petition is ?led or other proceeding is commenced by or against you under the federal 
    to correct the problem with the merchant, you may have the right not to pay the remaining  bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us with 
    amount due on the Purchase. To use this right, all of the following must be true: 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 
    1. The Purchase must have been made in your home state or within 100 miles of your current 
                                            our af?liates, or (j) we believe in good faith that you may not pay or perform your obligations 
      mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
                                            under this Agreement. The payment of any fee charged by us will not cure the default that 
      these are necessary if your purchase was based on an advertisement we mailed to you, or if 
                                            caused the fee.
      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.                23. 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 
                                           4
    your outstanding Account balance immediately, (b) allow you to repay your Account subject to  This provision is made pursuant to a transaction involving interstate commerce and will be 
    the terms and conditions of this Agreement, (c) immediately terminate your Account and cancel  governed by the FAA, 9 U. S. C. �� 1 et seq., as amended. The arbitrator will apply applicable 
    all Cards, (d) reduce your Account Total Amount of Extended Credit or otherwise limit your  substantive law consistent with the FAA and applicable statutes of limitations and will honor 
    ability to make Transactions as discussed in this Agreement, (e) commence a legal proceeding  claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may 
    against you to collect all amounts owed in connection with this Agreement, or (f) increase the  be entered in any court having jurisdiction. The arbitrator�s decision will be ?nal and binding, 
    APR for Purchases and Cash Advances. We also may charge you court costs and reasonable  except for any right of appeal provided by the FAA and except that, if the amount in controversy 
    attorneys� fees that we actually incur, as permitted by Applicable Law, if your Account is sent  exceeds $100,000, any party can appeal the award to a three-arbitrator panel administered 
    for collection to an attorney who is not our salaried employee. We will not be obligated to  by the AAA, which will reconsider de novo any aspect of the initial award requested by the 
    honor any attempted use of your Card or your Account if your Account is in default, or we have  appealing party. The decision of the panel will be by majority vote. The costs of such an appeal 
    decided to terminate your Account or limit your ability to make Transactions as discussed in this  will be borne by the appealing party regardless of the outcome of the appeal.
    Agreement. Except as otherwise 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 
                                            As solely used in this provision, the terms we and us will for all purposes mean Fifth Third Bank, 
    such accrued ?nance charges, is paid in full. You agree that, subject to Applicable Law, if your 
                                            all of its parents, wholly- or majority-owned subsidiaries, af?liates, predecessors, successors 
    Account is in default under this Agreement, you will accept calls from us at your home and your 
                                            and assigns, and all of their independent contractors, agents, employees, directors and 
    place of business regarding collection of your Account. You understand and agree that the calls 
                                            representatives.
    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.                         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 
    24. Reevaluation of Financial Condition and Credit History. We may reevaluate 
                                            invalidate the remaining portions of this arbitration provision or the Agreement. In the event of 
    your ?nancial condition and investigate any information you provided on your Account 
                                            a con?ict or inconsistency between the AAA Rules and this arbitration provision, this provision 
    application at any time. In the course of doing so, we may obtain a current credit report and 
                                            will govern.
    ask you for additional information about your ?nancial 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 bene?cial to facilitate  27. Changes to this Agreement. Subject to Applicable Law, we can change this 
    our determination of your eligibility for the Account and the Card, including credit reports from  Agreement at any time, regardless of whether you have access to your Account, by adding, 
    consumer reporting agencies. We may, as a result of any such re-evaluation, deem your Account  deleting or modifying any provision (including increasing any rate of ?nance charge, increasing 
    to be in default.                       or adding fees or charges (including annual fees), changing the method of computing balances 
                                            subject to ?nance charge, changing your Total Amount of Extended Credit, changing the date 
                                            upon which ?nance charges begin to accrue, changing the Minimum Amount Due or limiting 
    25. Telephone Monitoring and Recording. You acknowledge that your telephone 
                                            the number or amount of Transactions on your Account). Any such changes will generally be 
    calls and other communications you provide to us may be monitored and recorded for training 
                                            effective immediately unless we are required by Applicable Law to provide you with advance 
    and quality control purposes. You agree that we may monitor, record, retain and reproduce 
                                            written notice of the proposed changes. If this is the case, those changes will be effective 
    your telephone calls and any other communications you provide to us, regardless of how 
                                            immediately following the effective date stated in the notice. Subject to Applicable Law, any 
    transmitted to us, as evidence of your authorization to act in connection with any Transaction, 
                                            such changes will apply to your outstanding Account balance on the effective date of the change 
    your Account or other service contemplated by this Agreement. We will not be liable for any 
                                            and to any future balances created after that date. If we give you the right to reject a change 
    losses or damages that are incurred as a result of these actions. We are not, however, under 
                                            (whether because it is required by Applicable Law or otherwise), and you do not notify us by 
    any obligation to monitor, record, retain or reproduce such items, unless required to do so by 
                                            the date stated a notice, or if you notify us but then use your Account after the date stated in 
    Applicable Law.
                                            the notice, you will be deemed to accept all changes in the notice and to accept and con?rm 
                                            all terms of your Agreement and all changes in prior notices we have sent you, regardless of 
    26. Arbitration. You and we each agree that any Claim will be arbitrated instead of litigated  whether you have access to your Account. If you reject a change that we make, we will close 
    in court under the circumstances and procedures set forth below. Any Claim will be resolved  your Account. No change to any term of this Agreement will affect your obligation to pay all 
    upon the election of arbitration by you or us pursuant to this provision and the AAA Rules in  amounts you owe under this Agreement.
    effect at the time the Claim is ?led. (If for any reason the AAA is unable or unwilling or ceases 
    to serve as arbitration administrator, another nationally recognized arbitration organization 
                                            28. waiver of Rights. Except as may be prohibited by Applicable Law, you agree to waive 
    utilizing similar rules and procedures will be substituted by us.) With respect to Claims covered 
                                            any right you may have for us to act promptly in bringing any action(s) against you (known as 
    by this provision, a party who has asserted a Claim in a lawsuit in court may elect arbitration 
                                            diligence); to demand payments of amounts due (known as presentment); to obtain an of?cial 
    with respect to any Claim subsequently asserted in that lawsuit by any other party or parties. 
                                            certi?cation of non-payment (known as protest); and to give notice that amounts due will not 
    IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR 
                                            be paid (known as notice of dishonor or notice of default and non-payment).
    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  29. Change of Address. We will rely on the address we have for you in our records for 
    MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.  any Account communications we send to you unless and until either you or the U.S. Postal 
    EXCEPT AS SET FORTH BELOW, THE ARBITRATOR�S DECISION WILL BE FINAL AND BINDING.  Service noti?es us of a change of address and we have had a reasonable opportunity to act on 
    NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT  such notice. If your Account is a joint Account, each of you appoints the other as your agent 
    BE AVAILABLE IN ARBITRATION.            to designate the address to which any and all Account communications, including the Account 
                                            Statement, may be sent to you.
    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. 30. Correspondence. To the extent permitted by Applicable Law, any communication you 
                                            send to us will not be effective until we receive it and have had a reasonable opportunity to 
                                            act on it. Any communication we send to you will, however, be effective and deemed delivered 
    There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration 
                                            when mailed to you at your address as it appears on our records.
    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 ?ling, administrative 
    and/or hearing fees for any Claim that you may ?le against us after you have paid an amount  31. Assignment. You may not sell, assign or transfer your Account or Card or any of your 
    equivalent to the fee, if any, for ?ling such a Claim in state or federal court (whichever is less)  rights and obligations under this Agreement. We may, however, sell, assign or transfer your 
    in the judicial district in which you reside. At the conclusion of the arbitration, the arbitrator will  Account, or any balance due thereunder, and our rights and obligations under this Agreement to 
    decide who will ultimately be responsible for paying the ?ling, administrative and/or hearing  another entity without your consent and without prior notice. That entity will take our place in 
    fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will  this Agreement.
    bear the expense of that party�s attorneys�, experts� and witness fees, regardless of which party 
    prevails in the arbitration.
                                           5
    32. Severability. If any provision of this Agreement is deemed to be void or unenforceable  greater than $10,000. We reserve the right to reject deposits in excess of $10,000 at any 
    by a court of competent jurisdiction, or any governmental agency, that provision will continue  ATM displaying the Jeanie logo);
    to be enforceable to the extent permitted by that court or agency, and the remainder of that  (d) transfer funds between your checking, savings, Visa or line of credit accounts;
    provision will no longer be considered as part of this Agreement. All other provisions of this 
                                            (e) pay bills directly from your Bank Account to parties that have been identi?ed and have 
    Agreement will, however, remain in full force and effect.
                                            agreed to accept your payments, provided that your Bank Account is a checking account and 
                                            the payment is made in accordance with our procedures; and
    33. Governing Law. This Agreement is entered into between you and us in the State  (f) pay for purchases from your Bank Account at places that have agreed to accept your Card, 
    of Ohio, and your Account and this Agreement, and any claim, dispute or controversy arising  provided that your Bank Account is a checking account.
    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 
                                            If you use your Card and your PIN to pay for a Purchase from a merchant or to withdraw  accordance with, the laws of the State of Ohio, without regard to Ohio�s con?ict of laws 
                                            cash from an ATM, you authorize us to debit your Bank Account for the total amount of the  principles, and applicable federal laws and regulations. The legality, enforceability and 
                                            Transaction as shown on any sales draft or withdrawal order originated by use of your Card,  interpretation of this Agreement and the amounts contracted for under this Agreement also are 
                                            regardless of whether you signed it. We will handle such sales drafts or withdrawal orders in the  governed by Ohio law and applicable provisions of federal law, and all amounts granted under 
                                            same way we handle checks and other items drawn on your Bank Account, with the exception  this Agreement are extended from the State of Ohio.
                                            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 
    34. Entire Agreement. You acknowledge that this Agreement, as amended from time  Agreement and other rules, regulations and agreements that apply to your Bank Account or 
    to time, and the documents accompanying your Card that apply to your Account, which are  your Account. You may perform other transfers as we expand the types of available transfers in 
    incorporated by reference into this Agreement, make up the entire agreement between you and  the future. We will notify you as to the nature and frequency of those transfers. 
    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 
                                            41. Limitations on Types and Frequency of Electronic Banking Transfers.  and the Card. Neither you nor we intend that anything in this Agreement should result in the 
                                            Electronic banking services, including Card Transactions, and payments are subject to the  assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or 
                                            following limitations in this section and elsewhere in this Agreement: charge assessed under this Agreement is ?nally determined to be in excess of that permitted 
    by Applicable Law, the excess amount will be applied to reduce the outstanding balance in  (a) Due to certain state banking laws currently in effect, you may not be able to make deposits 
    your Account or, if there is no outstanding balance, will be refunded to you. You agree that any  at all Jeanie or Money Station locations.
    documentation provided to you that indicates that a Transaction was made shall be admissible  (b) The immediate use of deposited funds is restricted by our rules, regulations and agreements 
    as evidence of such Transaction and shall be proof that such transaction or transfer was made. governing Bank Accounts.
                                            (c) Cash withdrawals from Jeanie, Money Station or other ATM terminals may be made only 
    35. Questions. If you have any questions about this Agreement or your Card, please contact  from individual or joint personal Bank Accounts and not from any other accounts.
    us at 1-800-972-3030.                   (d) You are not permitted to make bill payments or transfers or pay for Purchases from any 
                                            Bank Account that is a savings account using a Jeanie or Money Station terminal, Fifth Third 
                                            Internet Banking and Bill Payment or Fifth Third Bank Telephone Banking, except as provided in  36. Section Headings. The Section headings used in this Agreement are only meant to 
                                            subparagraph (e) below. organize this Agreement, and do not in any way limit or de?ne your or our rights or obligations 
    hereunder.                              (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/
                                            withdrawals made by check, debit card, or similar order payable to a third party. Examples of 
    READY RESERVE AND EFT SERVICES
                                            preauthorized or automatic transfers include automatic transfers from savings to checking to 
    37. Ready Reserve. If you have applied and been approved for the Ready Reserve feature  cover an overdraft or a transfer of funds or bill payment from your savings account using  
    of your Account, you can authorize automatic transfers from your Account into any checking  Fifth Third Internet Banking and Bill Payment, Fifth Third Bank Telephone Banking, or any 
    account you maintain with us in order to cover an overdraft on such account and any applicable  money management payment from your savings account. You may, however, make as many 
    service charge. If you overdraw your checking account with us on any day, we may charge your  payments as you wish from your Fifth Third savings account to your installment, mortgage or 
    Account for a Cash Advance in an amount equal to the overdrawn amount or $50, whichever  credit card accounts with us.
    is greater, in order to eliminate the overdraft, together with any applicable ?nance charges and 
                                            (f) You may not use your Card at a POS terminal.
    service charges. If you have applied and been approved for Ready Reserve, you may use your 
                                            (g) For security reasons, there are limits on the amount of cash withdrawals from your Bank  Card as an ATM card by entering your PIN.
                                            Account that may be made from Jeanie, Money Station or other electronic banking terminals 
                                            or systems.
    38. Use of Card for EFT Services. If you use your Card as an ATM card, the following 
                                            (h) There are limits on the amount of cash you may withdraw or transfer immediately after you  additional terms and conditions apply to your use of your Card to access your Bank Account 
                                  �  �      make a deposit. for the EFT services we make available (for example, (a) use of the Jeanie , Pulse , Plus 
       �     �
    System , Visa, Cirrus , or other electronic banking terminals or systems; (b) use of our  (i) You may place a stop payment order on a preauthorized EFT from your Account by notifying 
    telephone bill payment service; (c) use of Fifth Third Bank Telephone Banking to transfer  us orally or in writing at least three (3) Business Days before the scheduled date of the transfer. 
    money; (d) use of Fifth Third Internet Banking and Bill Payment to transfer money or pay  Once you have placed a stop payment order on a preauthorized transfer, we will not make any 
    bills; (e) electronic direct deposits of government payments such as Social Security and payroll  more preauthorized transfers to the person or company that you were going to pay until we 
    payments; (f) preauthorized bill payments; and (g) electronic check conversion) and are  receive a new written authorization from you.
    provided to you in accordance with the requirements of federal law.  (j) No deposits or withdrawals may be made to or from a dormant Bank Account through 
                                            Jeanie, Money Station or other electronic banking terminal or system.
    39. ATM Transaction Charges. Your checking, savings, credit card or line of credit  (k) We may, from time to time, limit the type, number and dollar amounts of any checks, 
    account with us may be subject to charges when using an ATM that does not display both our  drafts, withdrawals or transfers, that may be made from your Bank Account using the Card, 
    logo and the Jeanie logo. Details about these charges are disclosed elsewhere in this Agreement  even if you have suf?cient available funds in your Bank Account, and to terminate or suspend 
    and in our �Checking Brochure� and �Savings Brochure.� Also, if you use an ATM that does  the operation of any or all EFT devices, including your Card, without notice, unless required by 
    not display both our logo and the Jeanie logo, you may be charged a fee by the ATM owner or  Applicable Law.
    operator, as well as by any network used (and you may be charged a fee for a balance inquiry  (l) For security reasons, there may be other limits on the number and amount of transactions 
    even if you do not complete an EFT).    you can make using the Jeanie system.
                                            42. Error Resolution Process. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR 
    40. Types of EFTs. If you use your Card and your PIN, you may: ELECTRONIC TRANSFERS, telephone us at 1-800-972-3030 or write us at Fifth Third Bank,  
                                            MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263 as soon as you can if you 
    (a) withdraw cash from your Bank Account;
                                            think your statement or receipt is wrong or if you need more information about a transfer listed 
    (b) obtain a Cash Advance;
                                            on the statement or receipt. We must hear from you no later than sixty (60) days after we 
    (c) make deposits to your Bank Account (Note: Money Station ATMs will not accept deposits  sent the FIRST statement on which the error or problem appeared.
                                           6
    (a) Tell us your name and Bank Account number (if any). Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell 
    (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can  us within sixty (60) days after the statement was mailed to you, you may not get back any 
    why you believe it is an error or why you need more information. 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.
    (c) Tell us the dollar amount of the suspected error.
                                            If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend 
    If you tell us orally, we may require that you send us your complaint or question in writing 
                                            the time period for a reasonable time.
    within ten (10) Business Days. We will determine whether an error occurred within ten (10) 
    Business Days following the date you noti?ed us, and we will correct any error promptly. If 
    we need more time, however, we may take up to forty-?ve (45) calendar days to investigate  47. Business Days. For purposes of the section of this Agreement entitled Ready Reserve 
    your complaint or question following the date you noti?ed us. If we decide to do this, we will  and EFT Services, our Business Days are Monday through Friday. Holidays are not included.
    provisionally recredit your Bank Account within ten (10) Business Days following the date you 
    noti?ed us for the amount you think is in error, so that you will have the use of the money 
                                            48. Contacts in the Event of Unauthorized Card Transfers. If you believe that 
    during the time it takes us to complete our investigation. If we ask you to put your complaint 
                                            your Card or PIN, or both, has been lost or stolen or that someone has authorized or may 
    or question in writing and we do not receive it within ten (10) Business Days, we may not 
                                            authorize a transfer from your Bank Account without your permission, you can call us at  
    provisionally recredit your Bank Account.
                                            1-800-782-0279.
    For errors involving new Bank Accounts, POS or foreign-initiated transactions, we may take up 
                                            49. Authorized Use. You agree that, if you authorize another person to use your Account, 
    to ninety (90) calendar days to investigate your complaint or question. For new Bank Accounts, 
                                            Bank Account, Card or PIN in any manner, your authorization will be deemed to include the 
    we may take up to twenty (20) Business Days to credit your Bank Account for the amount that 
                                            authorization to perform electronic banking services of any kind using your Account, Bank 
    you think is in error.
                                            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 
    We will tell you the results within three (3) Business Days after completing our investigation.  necessary to revoke it by preventing such use by that person.
    If we decide that there was no error, we will send you a written explanation. You may ask for 
    copies of the documents that we used in our investigation.
                                            50. 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, 
    43. Fees. You agree that we may charge and deduct from your Bank Account (or any other  we will transfer money in your Bank Accounts with us or accounts over which you have the 
    account that you maintain with us primarily for personal, family or household purposes, as  authority to withdraw or transfer funds to the accounts of designated merchants. Such transfer 
    necessary) any charges associated with or incurred in connection with the use of your Card. 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 
    44. Disclosure of Bank Account Information to Third Parties. We take our 
                                            others. In no case will we be liable for any interest or late payment charges assessed by a 
    responsibility to protect the con?dentiality of your ?nancial information very seriously. It is our 
                                            merchant or termination of service caused by a delay in a merchant�s receipt of the payment. 
    policy never to share information about you, your Bank Account or the transfers made using 
                                            You agree to notify us of any change in your address or account with a merchant, including 
    your Card with third parties, including marketing companies, except in the situations noted 
                                            change of account number.
    below. Speci?cally, we will disclose such information:
    (a) where it is necessary for completing transfers;
                                            51. Card Cancellation, Revocation or Limitation. Your Card may be cancelled, 
    (b) in order to verify the existence and condition of your Bank Account for a third party, such as 
                                            revoked or limited in its use at any time by us or our agent.
    a credit bureau or a merchant;
    (c) in order to comply with government agency or court orders, such as a lawful subpoena;
                                            Fifth Third Bank, Member FDIC.
    (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.
    45. 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 or any other electronic banking terminal, 
    unless, for some reason, the machine or terminal is not working properly. 
    46. 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.
                                           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.
             The types of personal information we collect and share depend on the product or service you have 
    WHAT?
             with us. This information can include:
             � Social Security number, name, address, email address, income, and assets
             � Payment history and account balances
             � Credit history and creditworthiness
    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 
    processyour transactions, maintain your account(s),  Yes           No
    respond to court orders and legal investigations, or 
    report to credit bureaus
    For our marketing purposes� to o?er our products 
                                                   Yes                 No
    andservices 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
             � Call 1-800-889-5269�our menu will prompt you through your choice(s); or
    TO LIMIT
    OUR      � Write to us at Fifth Third, Customer Service, Privacy Administration, Post O�ce Box 4444, 
    SHARING    Cincinnati, OH 45263-4444. 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 
    personal information?     usesecurity 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  Your choices will apply to everyone on your account.
    sharingfor 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. 08/11
                                           9
         Preferred Banking Visa Signature Credit Card  
               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 
               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 5/1/2012 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 
     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
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