Visa® Rewards Platinum Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
May  1,  2016.    Before  you submit  your  application,  please read  through  these  Important Disclosures,  which  contain 
additional information about rates, fees, and other costs, as applicable. Each applicant must be at least 18 years of 
age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 
APR for Balance 
Transfers 

10.24% to 20.24%, based on creditworthiness. 
Your APR will vary with the market based on Prime Rate.* 

0% Introductory APR applies for the first six billing cycles from date of account 
opening. 
When the Introductory Period ends, the standard APR is 10.24% to 20.24%, 
based on your creditworthiness.  Your APR will vary with the market based on 
Prime Rate.* 
22.24%.  Your APR will vary with the market based on Prime Rate.* 

APR for Cash 
Advances 
How to Avoid 
Paying Interest on 
Purchases 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 

Cash Advance 
Foreign Transaction 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases and balance transfers if you pay your 
entire balance by the due date each month.  You will be charged interest on 
cash advances from the transaction date, or the first day of the billing cycle in 
which it is posted to your account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

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. 

None. 

3% of each balance transferred.  Waived for balance transfers at time of 
account opening. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $35. 
Up to $35. 
None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned 
unpaid, we may end your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR. 

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 10.24% variable 
APR.  In the event you no longer meet the criteria, your APR will be a variable rate between 10.24% and 20.24% 
based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street 
Journal on the 1st day (or if the 1st day is not a business day, the preceding business day) of the prior month. Your APR 
will increase if the Prime Rate increases.  For  each  billing  period,  the APR  is  determined  by  adding a margin to 
the Prime Rate.  The margin for the APR for Purchases and Balance Transfers is 6.74% to 16.74%,  based  on  your 
creditworthiness and for Cash Advances is 18.74%. 

The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, 
please write to:  TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection with this offer and any update, renewal or extension of credit we may extend to you.  As permitted by law, 
we may share account and other information as well as information contained in your Application and in any credit report 
on you, with any TCM Bank affiliates and others.  Complete details regarding our  rights to share information will be 
provided to you after an account is established.  You agree that we will consider this an Application for a Visa® account. 
You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open 
an account. 

Anti-Terrorism: To  help  the government fight the  funding of  terrorism  and  money laundering  activities,  Federal  law 
requires  all  financial  institutions  to  obtain,  verify,  and  record  information  that  identifies each  person  who  opens  an 
account.  To  process  the  Application,  we  must  have  your  name, street  address,  date  of  birth  and  other  identifying 
information, and we may ask for identifying documents from you as well. 

State  Laws  Require  the  Following Notices:   California Residents: A married  applicant may  apply  for  a  separate 
account.  After approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  extended  under  this  account  to  any  joint  applicant. 
Delaware Residents:  Service charges not in excess of those  permitted  by  law  will  be  charged  on  the  outstanding 
balances from month to month.   New York Residents:   New York residents may contact the New York State Banking 
Department  at  1-800-518-8866  to  obtain  a  comparative listing  of  credit  card  rates,  fees  and  grace  periods.  Ohio 
Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a creditor’s interest unless, prior to 
the  time  the  credit  is  granted, the  creditor is  furnished a  copy  of  the agreement, statement or decree or has actual 
knowledge of the adverse provision. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and Account, by the laws 
and regulations of the State of Florida, as well as the applicable laws and regulations of the United States of America. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and transfer 
the balance(s) to your TCM account.  Please continue to make at least minimum payments on your other credit cards 
until they notify you that the balances have been transferred.  If the amounts you request to be transferred do not satisfy 
the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The 
total  amount  of  your  balance  transfer  request  cannot  exceed  the  amount of your credit line. The minimum balance 
transfer amount will not be less than $500.  You may not transfer balances from other accounts issued by TCM Bank. 
Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent 
upon approval by the bank and receipt of complete, legible balance transfer requests. 

 
 
 
 
 
 
 
 
 
Visa® Platinum Edition Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
May  1,  2016.    Before  you submit  your  application,  please read  through  these  Important Disclosures,  which  contain 
additional information about rates, fees, and other costs, as applicable. Each applicant must be at least 18 years of 
age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 
APR for Balance 
Transfers 

9.24% to 19.24%, based on creditworthiness. 
Your APR will vary with the market based on Prime Rate.* 

0% Introductory APR applies for the first six billing cycles from date of account 
opening. 
When the Introductory Period ends, the standard APR is 9.24% to 19.24%, 
based on your creditworthiness.  Your APR will vary with the market based on 
Prime Rate.* 
22.24%.  Your APR will vary with the market based on Prime Rate.* 

APR for Cash 
Advances 
How to Avoid 
Paying Interest on 
Purchases 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 

Cash Advance 
Foreign Transaction 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases and balance transfers if you pay your 
entire balance by the due date each month.  You will be charged interest on 
cash advances from the transaction date, or the first day of the billing cycle in 
which it is posted to your account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

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. 

None. 

3% of each balance transferred.  Waived for balance transfers at time of 
account opening. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $35. 
Up to $35. 
None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned 
unpaid, we may end your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR. 

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 9.24% variable 
APR.  In the event you no longer meet the criteria, your APR will be a variable rate between 9.24% and 19.24% 
based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street 
Journal on the 1st day (or if the 1st day is not a business day, the preceding business day) of the prior month. Your APR 
will increase if the Prime Rate increases.  For  each  billing  period,  the APR  is  determined  by  adding a margin to 
the Prime Rate.  The margin for the APR for Purchases and Balance Transfers is 5.74% to 15.74%,  based  on  your 
creditworthiness and for Cash Advances is 18.74%. 

The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, 
please write to:  TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection with this offer and any update, renewal or extension of credit we may extend to you.  As permitted by law, 
we may share account and other information as well as information contained in your Application and in any credit report 
on you, with any TCM Bank affiliates and others.  Complete details regarding our  rights to share information will be 
provided to you after an account is established.  You agree that we will consider this an Application for a Visa® account. 
You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open 
an account. 

Anti-Terrorism: To  help  the government fight the  funding of  terrorism  and  money laundering  activities,  Federal  law 
requires  all  financial  institutions  to  obtain,  verify,  and  record  information  that  identifies each  person  who  opens  an 
account.  To  process  the  Application,  we  must  have  your  name, street  address,  date  of  birth  and  other  identifying 
information, and we may ask for identifying documents from you as well. 

State  Laws  Require  the  Following Notices:   California Residents: A married  applicant may  apply  for  a  separate 
account.  After approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  extended  under  this  account  to  any  joint  applicant. 
Delaware Residents:  Service charges not in excess of those  permitted  by  law  will  be  charged  on  the  outstanding 
balances from month to month.   New York Residents:   New York residents may contact the New York State Banking 
Department  at  1-800-518-8866  to  obtain  a  comparative listing  of  credit  card  rates,  fees  and  grace  periods.  Ohio 
Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a creditor’s interest unless, prior to 
the  time  the  credit  is  granted, the  creditor is  furnished a  copy  of  the agreement, statement or decree or has actual 
knowledge of the adverse provision. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and Account, by the laws 
and regulations of the State of Florida, as well as the applicable laws and regulations of the United States of America. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and transfer 
the balance(s) to your TCM account.  Please continue to make at least minimum payments on your other credit cards 
until they notify you that the balances have been transferred.  If the amounts you request to be transferred do not satisfy 
the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The 
total  amount  of  your  balance  transfer  request  cannot  exceed  the  amount of your credit line. The minimum balance 
transfer amount will not be less than $500.  You may not transfer balances from other accounts issued by TCM Bank. 
Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent 
upon approval by the bank and receipt of complete, legible balance transfer requests. 

 
 
 
 
 
 
 
 
 
Visa® Cash Rewards Platinum Credit Card 

This program is issued and administered by TCM Bank, N.A.  Information on this disclosure was accurate as of  
February 1, 2016.  Before you submit your application, please read through these Important Disclosures, which contain 
additional information about rates, fees, and other costs, as applicable. Each applicant must be at least 18 years of 
age. 

Interest Rates and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 
APR for Balance 
Transfers 

13.24% to 21.24%, based on creditworthiness. 
Your APR will vary with the market based on Prime Rate.* 

0% Introductory APR applies for the first six billing cycles from date of account 
opening. 
When the Introductory Period ends, the standard APR is 13.24% to 21.24%, 
based on your creditworthiness.  Your APR will vary with the market based on 
Prime Rate.* 
22.24%.  Your APR will vary with the market based on Prime Rate.* 

APR for Cash 
Advances 
How to Avoid 
Paying Interest on 
Purchases 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Consumer 
Financial 
Protection Bureau 

Fees 
Annual Fee 
Transaction Fees: 
Balance Transfer 

Cash Advance 
Foreign Transaction 

Your due date is at least 23 days after the close of each billing cycle.  You will 
not be charged interest on purchases and balance transfers if you pay your 
entire balance by the due date each month.  You will be charged interest on 
cash advances from the transaction date, or the first day of the billing cycle in 
which it is posted to your account, whichever is later. 
If you are charged interest, the charge will be no less than $1.00. 

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. 

None. 

3% of each balance transferred.  Waived for balance transfers at time of 
account opening. 
Either $5 or 3% of each cash advance, whichever is greater. 
If the merchant is outside of the U.S., the fee is: 
a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign 
currency, 
b) 0.8% of the U.S. dollar amount of the transaction, if made in U.S. dollars. 

Penalty Fees: 
Late Payment 
Returned Payment 
Over Limit Fee 

Up to $35. 
Up to $35. 
None. 

Loss of the Introductory APR for Balance Transfers: If you make a late payment, or make a payment that is returned 
unpaid, we may end your Introductory APR for Balance Transfers and apply the standard Balance Transfer APR. 

How Will We Calculate Your Balance: We use a method called “Average Daily Balance (including new transactions).” 
An explanation will be provided in your Cardholder Agreement. 

 
 
 
 
 
 
 
 
 
 
Loss of the Employee Rate: If you are eligible for the Employee Rate Program, you will receive a 13.24% variable 
APR.  In the event you no longer meet the criteria, your APR will be a variable rate between 13.24% and 21.24% 
based on your creditworthiness. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder Agreement. 

*The Prime Rate used to determine your APR for a billing period is the U.S. Prime Rate published in the Wall Street 
Journal on the 1st day (or if the 1st day is not a business day, the preceding business day) of the prior month. Your APR 
will increase if the Prime Rate increases.  For  each  billing  period,  the APR  is  determined  by  adding a margin to 
the Prime Rate.  The margin for the APR for Purchases and Balance Transfers is 9.74% to 17.74%,  based  on  your 
creditworthiness and for Cash Advances is 18.74%. 

The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, 
please write to:  TCM Bank, N.A., P.O. Box 31537, Tampa, FL 33631. 

NOTICE:    You  agree  that  we  may  obtain  and  use  consumer  credit  reports  and  exchange  credit  information  in 
connection with this offer and any update, renewal or extension of credit we may extend to you.  As permitted by law, 
we may share account and other information as well as information contained in your Application and in any credit report 
on you, with any TCM Bank affiliates and others.  Complete details regarding our  rights to share information will be 
provided to you after an account is established.  You agree that we will consider this an Application for a Visa® account. 
You agree that we reserve the right, based upon our evaluation of information furnished by you or others, not to open 
an account. 

Anti-Terrorism: To  help  the government fight the  funding of  terrorism  and  money laundering  activities,  Federal  law 
requires  all  financial  institutions  to  obtain,  verify,  and  record  information  that  identifies each  person  who  opens  an 
account.  To  process  the  Application,  we  must  have  your  name, street  address,  date  of  birth  and  other  identifying 
information, and we may ask for identifying documents from you as well. 

State  Laws  Require  the  Following Notices:   California Residents: A married  applicant may  apply  for  a  separate 
account.  After approval, each applicant shall have the right to use this account to the extent of the credit limit set by 
the  creditor  and  each  applicant  may  be  liable  for  the  amount  extended  under  this  account  to  any  joint  applicant. 
Delaware Residents:  Service charges not in excess of those  permitted  by  law  will  be  charged  on  the  outstanding 
balances from month to month.   New York Residents:   New York residents may contact the New York State Banking 
Department  at  1-800-518-8866  to  obtain  a  comparative listing  of  credit  card  rates,  fees  and  grace  periods.  Ohio 
Residents:  The  Ohio  laws  against  discrimination  require  that  all  creditors  make  credit  equally  available  to  all 
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
request.  The Ohio Civil Rights Commission administers compliance with this law.  Married Wisconsin Residents:  Your 
signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any 
marital property agreement, unilateral statement or court decree adversely affects a creditor’s interest unless, prior to 
the  time  the  credit  is  granted, the  creditor is  furnished a  copy  of  the agreement, statement or decree or has actual 
knowledge of the adverse provision. 

Applicable Law:  The above rates and fees are governed, as are your Cardholder Agreement and Account, by the laws 
and regulations of the State of Florida, as well as the applicable laws and regulations of the United States of America. 

Balance Transfer Disclosures: You agree to allow approximately 30 days for us to process your application and transfer 
the balance(s) to your TCM account.  Please continue to make at least minimum payments on your other credit cards 
until they notify you that the balances have been transferred.  If the amounts you request to be transferred do not satisfy 
the outstanding balance(s) on the designated accounts, you will continue to be responsible for those balances. The 
total  amount  of  your  balance  transfer  request  cannot  exceed  the  amount of your credit line. The minimum balance 
transfer amount will not be less than $500.  You may not transfer balances from other accounts issued by TCM Bank. 
Transfer requests to cash or to yourself cannot be processed. The payment and transfer of balances are contingent 
upon approval by the bank and receipt of complete, legible balance transfer requests. 

 
 
 
 
 
 
 
 
 
Platinum Rewards and Cash Rewards Fees  
and Credit Disclosures

Interest Rates and Interest Charges

0% introductory APR for the first 12 Billing Cycles after the 
account is opened.  

After the introductory period, your APR will be  
13.24% to 22.24%,
based on your credit worthiness. After the account opening,  
this APR will vary with the market based on WSJ Prime Rate.

24.99%

24.99%
This APR may be applied to your Account if you make a late  
payment.
How Long Will the Penalty APR Apply? If your APRs  
are increased because you are 60 days late, the Penalty APR will 
apply until you make six consecutive minimum payments when due. 

Your due date is at least 26 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 each month.

If you are charged interest, the charge will be no less than $1.00.

Annual  
Percentage  
Rate (APR)  
for Purchases 
and Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

$0

Transaction Fees

4% of the amount of each transfer

Either $5 or 4% of the amount of each Cash Advance, 
whichever is greater.

4% of the total dollar amount of each convenience  
check used

3% of each transaction in U.S. dollars.

•  Balance 
Transfer

•  Cash 

Advance

•  Convenience  

Check

•  International  
Transaction

Penalty Fees

•  Late Payment

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new purchases).”

Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
Transfers and apply the APR in effect or the Penalty APR if you make a late payment.

The introductory APR for Purchases and Balance Transfers is 0% for the first 12 billing cycles 
after the account is opened. After the introductory period, your APR will be 13.24% to 22.24% 
based on your creditworthiness. After account opening, this APR will vary with the market based 
on the WSJ Prime Rate.

The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
The Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has 
ended will be 0.0363% to 0.0609% depending on your credit worthiness. The Daily Periodic 
Rate for Cash Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685%.

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
will be 9.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 12/30/2015
and may have changed after that date. To obtain more recent information, please call us at 
866-274-2328. 

The WSJ Prime Rate means the prime rate published in the “Money Rates” section of the 
online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
for Purchases will be applied to your existing Account balance and to subsequent transactions 
effective the first day of the Billing Cycle in which we determine the interest rate. If the Wall 
Street Journal does not publish the prime rate, or if it changes the definition of prime rate, we 
may, at our sole discretion, substitute another index.

Explanation of Balance Subject to Interest Charges: We figure the interest 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 each day, 
add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide the total by the number 
of days in the billing cycle. This gives us the “average daily balance.”

 
Platinum Fees and Credit Disclosures

Interest Rates and Interest Charges

0% introductory APR for the first 12 Billing Cycles after the 
account is opened.  

After the introductory period, your APR will be  
11.24% to 22.24%,
based on your credit worthiness. After account opening, this APR will 
vary with the market based on WSJ Prime Rate.

24.99%

24.99%
This APR may be applied to your Account if you make a late  
payment.
How Long Will the Penalty APR Apply? If your APRs  
are increased because you are 60 days late, the Penalty APR will 
apply until you make six consecutive minimum payments when due. 

Your due date is at least 26 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 each month.

If you are charged interest, the charge will be no less than $1.00.

Annual  
Percentage  
Rate (APR)  
for Purchases 
and Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

$0

Transaction Fees

4% of the amount of each transfer

Either $5 or 4% of the amount of each Cash Advance, 
whichever is greater.

4% of the total dollar amount of each convenience  
check used

3% of each transaction in U.S. dollars.

•  Balance 
Transfer

•  Cash 

Advance

•  Convenience  

Check

•  International  
Transaction

Penalty Fees

•  Late Payment

Up to $35

How We Will Calculate Your Balance: We use a method called “average daily balance 
(including new purchases).”

Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
Transfers and apply the APR in effect or the Penalty APR if you make a late payment.

The introductory APR for Purchases and Balance Transfers is 0% for the first 12 billing cycles 
after the account is opened. After the introductory period, your APR will be 11.24% to 22.24% 
based on your creditworthiness. After account opening, this APR will vary with the market based 
on the WSJ Prime Rate.

The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
The Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has 
ended will be 0.0308% to 0.0609% depending on your credit worthiness. The Daily Periodic 
Rate for Cash Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685%.

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
will be 7.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 12/30/2015
and may have changed after that date. To obtain more recent information, please call us at 
866-274-2328. 

The WSJ Prime Rate means the prime rate published in the “Money Rates” section of the 
online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
for Purchases will be applied to your existing Account balance and to subsequent transactions 
effective the first day of the Billing Cycle in which we determine the interest rate. If the Wall 
Street Journal does not publish the prime rate, or if it changes the definition of prime rate, we 
may, at our sole discretion, substitute another index.

Explanation of Balance Subject to Interest Charges: We figure the interest 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 each day, 
add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
Then, we add up all the daily balances for the billing cycle and divide the total by the number 
of days in the billing cycle. This gives us the “average daily balance.”