FIFTH THIRD BANK CARD AGREEMENT for MasterCard® and Visa®
FTCITERM 653461
September 1, 2011
This Agreement governs the terms and conditions of your Account. You should retain and
Monthly Periodic Rate: The periodic rate that applies to certain Transactions calculated on
carefully review this entire Agreement. You and we agree as follows:
a monthly basis.
New Balance: The new balance on your Account shown on the front of your
We give this Agreement to our customers when they are approved for an Account, or when they
Account Statement.
request it. By opening an Account and making Transactions, you agree to use this Account only for
Payment Address: The remittance address indicated on the front of your
personal, family or household purposes and to comply with this entire Agreement. Unless otherwise
Account Statement.
specified, the words you, your and yours mean anyone who applied to US for an Account and
Payment Due Date: The date shown on the front of your Account Statement by which we
whose application we have approved, and who uses the Account with your permission. The words
must receive payment for the Billing Cycle.
we, our, US and Fifth Third mean Fifth Third Bank and its successors and assigns.
PIN: Personal identification number.
POS: Point of sale.
DEFINITIONS
Purchase: A purchase or lease of goods or services made with your Card or your Account.
AAA: The American Arbitration Association.
Ready Reserve: An optional feature of your Account whereby you may link a checking
AAA Rules: The AAA Rules and Procedures.
account to your Account to cover overdrafts on the checking account.
Account: Unless the context provides otherwise, your credit card account that you can access
Secured Bank Account: If you have a Secured/Good Neighbor Card or Secured
with your Gold MasterCard, Platinum MasterCard, Platinum Prime MasterCard, Cash Rewards
MasterCard, your savings account with US that you have designated to secure repayment of
MasterCard, Real Life Rewards Credit Card, Nashville Predators Credit Card, Columbus Zoo
your Account.
and Aquarium Credit Card, Select Fixed Rate MasterCard, Select Variable Rate MasterCard,
Transaction: A Purchase or a Cash Advance.
Secured/Good Neighbor MasterCard, Secured MasterCard, VISA Gold, VISA Platinum, Select
U.S.: United States.
Fixed Rate VISA, Select Variable Rate VISA, and Secured/Good Neighbor VISA card.
Visa: Visa International.
Account Statement: The periodic statement we mail to you in connection
WSJ Prime Rate: The highest prime rate published in the "Money Rates" section of the
with your Account.
online version of The Wall Street Journal.
Agreement: This Fifth Third Bank Card Agreement for MasterCard and Visa.
Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations,
HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
licensing requirements, regulatory bulletins or guidance, regulatory examinations, agreements
1. Card Transactions, Purchases and Cash Advances. You may use your Account
or orders, (b) rule, regulation, restriction, requirement or contractual term of Visa, MasterCard or
and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your
other card network, and (c) judicial or administrative interpretations of any of the foregoing.
Account number to participating merchants and establishments where the Card is honored. We
APR: Annual percentage rate.
will also treat as a Cash Advance any transaction using Ready Reserve.
ATM: Automated teller machine.
Available Credit Limit: The difference between the balances you owe US and your Account
You may also use your Card to transfer balances from other creditors, to make other
credit limit.
transactions by means of balance transfer coupons or checks, or for any other transactions that
Bank Account: If you use your Card as an ATM card, your savings or checking account that
we encourage you to make through an introductory or promotional offer, in accordance with
you maintain with US primarily for personal, household or family purposes and designate for
the additional terms and conditions that we may offer from time to time. Unless we tell you
use with your Card.
otherwise, we will also treat any such balance transfer or other transaction as a Purchase.
Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is
approximately one month long.
You agree that any debt incurred using your Account or your Card is valid, regardless of the
Business Day: Monday through Friday, excluding holidays.
purpose of the Transaction.
Card: Unless the context provides otherwise, each Gold, Platinum, Select, Secured/Good
Neighbor and Secured MasterCard and VISA card that we issue on your Account.
Purchases from a merchant that are directly convertible to cash (sometimes called "quasi-cash"
Cash Advance: A transaction in which you (a) use your Card to get cash from an ATM;
transactions), such as purchases of casino gaming chips, money orders, wire transfer services,
(b) present your Card to any bank or other person that accepts the Card to get cash or
travelers cheques or foreign currency, may not be permitted with your Card. You may not use
cash-like equivalents (for example, money orders, traveler's checks or other payment
your Card or your Account for any illegal transaction or any gambling transaction. We reserve
instruments) from your Account; (c) use a Convenience Check or access Ready Reserve,
the right to decline any such transaction without notice.
or (d) use your Card or your Account number to make a person-to-person transfer conducted
through the Internet or otherwise.
Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and
Claim: Any claim, dispute or controversy between you and US arising from or relating to this
dollar amounts of any Transactions, even if you have sufficient available credit. We may also
Agreement, any prior agreement that you may have had with US or the relationships resulting
terminate or suspend your use of your Account and Card and access to your Account without
from the Agreement or any prior agreement, including the validity, enforceability or scope of
notice unless prohibited by Applicable Law.
this provision, the Agreement or any prior agreement. Claim includes claims of every kind
and nature, including but not limited to initial claims, counterclaims, cross-claims and third-
2. Credit Limit. We may establish an Account credit limit. You agree not to let the sum
party claims and claims based upon contract, tort, fraud and other intentional torts, statute,
of all Transactions posted to your Account, plus any finance charges, fees and other charges
common law and equity. The term Claim is to be given the broadest possible meaning and
provided for in this Agreement, exceed your Account credit limit as communicated to you
includes, by way of example and without limitation, any claim, dispute or controversy that
from time to time.
arises from or relates to (a) the Account created by the Agreement or any prior agreement or
any balances on the Account, (b) advertisements, promotions or oral or written statements
Your initial Account credit limit will be disclosed in the document that accompanies your Card.
related to the Account or the terms of financing, and (c) your use of the Account.
Your Account Statement may also show that only part of your Account credit limit may be used
Convenience Check: A check that may be used to access your Account.
for Cash Advances.
Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt
protection product that may be made available to you for purchase.
Cash Advances, including Convenience Checks and Ready Reserve transactions, are charged
Current Billing Cycle: A Billing Cycle that just ended.
against your Cash Advance credit limit. Unless we inform you otherwise, your Cash Advance
EFT: Electronic funds transfer.
credit limit will be up to 50% of your total Account credit limit.
FAA: Federal Arbitration Act.
Foreign Transaction: A Transaction that occurs or is submitted to US from outside the United
We may refuse to authorize or accept any Transaction on your Account or Card that would cause
States or in a foreign currency.
you to exceed your Available Credit Limit. If we, in our sole discretion, decide to authorize or
International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or
accept a Transaction on your Account or Card that would exceed your Available Credit Limit,
in a foreign currency.
we will not be liable to you if we do. Subject to Applicable Law, we may charge to and deduct
MasterCard: MasterCard International.
from your Account the amount of the Transaction and other related fees provided for in this
Minimum Amount Due: The minimum amount you must pay by the Payment Due Date
Agreement. We may also request that you immediately repay US the amount in excess of your
shown on the front of your Account Statement.
Available Credit Limit, suspend your Account or Card privileges and terminate this Agreement.
1
3. Secured/Good Neighbor Cards and Secured MasterCards. If you have applied
7. Third-Party Claims or Defenses. We are not responsible if a third party refuses
and been approved for a Secured/Good Neighbor Card or a Secured MasterCard, you have
to accept or honor your Card or Account, even if you have sufficient available credit. Except
granted US a security interest in the funds, including any funds deposited following the effective
as required by Applicable Law, we will not be responsible for any claim or defense you may
date of this Agreement, in your Secured Bank Account. You acknowledge that you specifically
have against any third party that arises out of or in connection with any Transaction with your
intended to grant US the security interest in all funds in the Secured Bank Account, that this
Account or Card or any services or goods or other property purchased or leased using your
security interest is an express condition for your Account and that funds in your Secured Bank
Account or Card.
Account must remain on deposit during the term of this Agreement in accordance with the
separate Secured Bank Account disclosure provided to you in the application you completed. You
PAYING YOUR BILLS
agree to sign all applications and documents that we may request from time to time that show
that you have granted and assigned to US the security interest in the Secured Bank Account.
8. Periodic Account Statements. Except as otherwise stated in this Agreement, we will
send you an Account Statement. Unless you make other arrangements with US, your Account
If you do not pay your Account balance or you or we decide to close your Account for any
Statement will be mailed to you by regular mail to your address as it appears on our records.
reason, you authorize US to apply all of the funds in the Secured Bank Account to your
outstanding Account balance. If the outstanding Account balance exceeds the amount of funds
We will send your Account Statement for each Billing Cycle at the end of which your Account
in your Secured Bank Account, you will remain liable for any outstanding Account balances,
has a debit or credit balance in excess of $1.00 or on which a finance charge has been
including all fees or charges that may subsequently be charged to the Account, until the Account
imposed. Generally, you will receive 12 Account Statements each year your Account is open.
balance is paid in full.
We will not send your Account Statement if (a) we deem your Account uncollectible,
(b) delinquency collection proceedings have been instituted, or (c) for any other reason
We will release our security interest in the Secured Bank Account and our hold on the funds
permitted by Applicable Law.
in the Secured Bank Account within 90 days after the Secured MasterCard is closed and the
Account balance is paid in full.
9. Payments. Your payment is due on or before the Payment Due Date shown on your
Account Statement. You must pay at least the Minimum Amount Due shown on your Account
4. Convenience Checks. We may issue Convenience Checks to you, which may be used
Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance,
to access your Account. We will treat any Convenience Check issued to you that we pay as a
(b) 0.5% of the New Balance plus total billed finance charges and any fees, or (c) $25.00.
Cash Advance (except for a Convenience Check issued to you as part of a promotional offer
Any New Balance less than $25 is payable in full. The Minimum Amount Due shown on your
which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the
Account Statement will also include any amount past due and any amount by which your
amount of the Convenience Check from your Cash Advance credit limit. Each Convenience Check
Account exceeds its credit limit. You agree to make all payments by check or other negotiable
must be denominated in U.S. dollars and completed and signed by you in the same manner
instrument drawn on a U.S. branch of a financial institution located in the U.S. or by money
as a personal check. If we provide you with Convenience Checks for your Account, you may
order. Payments must be denominated in U.S. dollars.
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
All payments submitted by mail, except disputed payments, must be mailed or delivered to US
Convenience Check unpaid if (a) the amount of the Convenience Check exceeds your Cash
at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on any Business
Advance credit limit; (b) your Account is not in good standing or you are otherwise in default of
Day will be credited on the next Business Day. Credit to your Account may be delayed for up to
this Agreement; (c) your Card or Convenience Checks have been reported lost or stolen or your
5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. dollars
Account may have been subject to unauthorized use; (d) you use a Convenience Check to pay
drawn on a U.S. branch of a financial institution located in the U.S. or by money order, or (c)
any amount you owe on your Account; or (e) for any other reason. We will not be liable if we
not accompanied by the top portion of your Account Statement. Delayed crediting may cause
choose to return any Convenience Check unpaid.
you to incur additional fees and finance charges. (You understand that payments submitted by
mail may not be made, and may not be deemed received by US, at any location other than the
LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER CONCERNS
Payment Address.) All credits for payments to your Account are subject to final payment by the
institution on which the item of payment was drawn.
5. Unauthorized Use of Your Account or Card. If you notice the loss or theft of your
Card or a possible unauthorized use of your Card or Account, you should write to US immediately
Although we may post payments as of the date we receive them, your Available Credit Limit
at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263 or call US
may not be restored for up to 7 days after we receive your payment. If the Minimum Amount
at: 1-800-782-0279. We may still require you to provide notice in writing.
Due is to be automatically deducted from your checking or savings account with US, you agree
to have on deposit in that account on the Payment Due Date available funds equal to the
YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD
Minimum Amount Due.
OF YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft
or possible unauthorized use of your Account or Card, we may require you to provide US
Payments on your Account that exceed the Minimum Amount Due will be allocated first to
information in writing or other assistance to help US find out what happened. We may also
the Account balance with the highest APR, and then to each consecutive Account balance
require you to comply with certain procedures in connection with our investigation. Unless
bearing the next highest APR, at the time payment is posted to your Account. Payments on
prohibited by Applicable Law, we will deem any such use as having been authorized by you,
your Account that do not exceed the Minimum Amount Due will be applied in the following
and you will be liable for the amount of any Transactions plus finance charges and fees and
order: finance charges, fees, any applicable installment balance minimum amount due that is
other charges incurred with any such use, if you fail to provide US with any such information
calculated separately from the Minimum Amount Due, the Account balance with the lowest APR,
or assistance or to comply with such procedures. Unauthorized Card or Account use does not
then to each consecutive Account balance bearing the next lowest APR at the time payment is
include use of your Card or your Account by any person you have authorized to use your Card
posted to your Account.
or Account.
We may, in our sole discretion, offer you the ability to make your payments on an expedited
6. Limitation of Your Liability. You will not be liable for any unauthorized use that
basis. When you authorize US to process an expedited payment to your Account, we may
occurs after you notify US. You may, however, be liable for unauthorized use that occurs before
charge you a fee. The amount of the fee will be disclosed to you at the time of the payment.
your notice to US. In any case, your liability will not exceed $50. You will have no liability
We are not responsible if your financial institution dishonors an expedited payment for any
for unauthorized use of your Card for transactions if (a) you have exercised reasonable care
reason, and we will retain the fee in those circumstances.
in safeguarding the Card from risk of loss or theft; (b) you have not reported two or more
incidents of unauthorized use to US in the preceding 12 months; and (c) your Account is in good
10. Prepayment. You may pay without penalty any portion of the entire New Balance or
standing. This section does not apply when a PIN is used as your identification method.
more than your Minimum Amount Due before the Payment Due Date. You understand that by
making a prepayment, the total amount you owe US will be reduced but that you must pay the
Zero liability does not apply to MasterCard-branded cards issued to an entity other than a natural
Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement.
person; primarily for business, commercial or agricultural purposes, except small business
"Debit MasterCard BusinessCard", "MasterCard BusinessCard", "Debit MasterCard Professional
DETERMINATION OF FINANCE CHARGES
Card" and "MasterCard Professional Card"; outside the U.S. region; or if a PIN is used as the
cardholder verification method for the unauthorized transaction(s). Cardholder must meet these
11. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing the
three conditions: 1. The cardholder must have exercised reasonable care in safeguarding his
applicable APR by 12.
or her card from risk of loss or theft; 2. The cardholder must not have reported two or more
incidents of unauthorized use within the preceding 12 months; 3. The account must be in good
12. Minimum Finance Charge. If you incur finance charges in any Billing Cycle that total
standing. Visit MasterCard's Zero Liability link at www.mastercard.com.
less than $1.00, the finance charge that will be charged to your Account is $1.00.
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13. APR.
APR), but only if you bring your Account current (if applicable), and then for six (6) consecutive
(a) Cards Other Than Secured/Good Neighbor Card and Select Fixed Rate MasterCards and
Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date and do not
VISA Cards. If your Card is a Card other than a Secured/Good Neighbor MasterCard, Secured/
exceed your Account credit limit. Any other variable or fixed APR that would otherwise apply to
Good Neighbor VISA, Select Fixed Rate MasterCard or Select Fixed Rate VISA, the following
new Account balances will change to this penalty APR.
information applies to your Account:
APR for Purchases and Cash Advances. Documents accompanying your Card, which
14. Balance Subject to Finance Charge and Finance Charges.
are incorporated by reference into this Agreement, disclose the APR for Purchases and Cash
(a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/
Advances in effect when your Account is opened.
Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of
Variable APR for Purchases. If the APR for Purchases is a variable rate based on the
computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash
Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable
Advances for the purpose of computing the average daily balance for Cash Advances. We
margin for those Transactions to the Rate. (A "margin" is the percentage we add
calculate the balances of Purchases that are subject to a finance charge separately, based on
to the Prime Rate to calculate the APR.) This APR may vary (increase and decrease),
the average daily balance of those Purchases in the Current Billing Cycle. We calculate the
but will not exceed 24.99% (corresponding Monthly Periodic Rate of 2.0825%). Any
balance of Cash Advances that is subject to a finance charge separately, based on the average
increase or decrease in the Prime Rate will result in an increase or decrease in your
daily balance of those Cash Advances in the Current Billing Cycle. To determine the average
Monthly Periodic Rate and the APR, and as a result, the finance charge and the Minimum
daily balance for each type of Transaction (that Purchases and Cash Advances) during the
Amount Due will change and may result in a smaller part of your payment being applied to
Current Billing Cycle, we take the beginning balance of each type of Transaction each day, add
reduce principal. We determine the WSJ Prime Rate two days prior to the closing date
any new Transactions of that type, and subtract any payments or credits applied to that type
of your Billing Cycle. Changes to the Monthly Periodic Rate and corresponding APR for
of Transaction that day. This gives US the daily balance for that type of Transaction. The daily
Purchases will be applied to your existing Account balance and to subsequent Transactions
balance for each type of Transaction is considered to be $0 for any day on which those portions
effective as of the first day of the Billing Cycle in which we determine the interest rate. If
of your Account have a credit balance. Then, we add all of the daily balances for the Current
The Wall Street Journal does not publish the prime rate, or if it changes the definition of
Billing Cycle and divide the total by the number of days in the Current Billing Cycle. This gives
prime rate, we may, at our sole discretion, substitute another index.
US an average daily balance of each type of Transaction for your Current Billing Cycle.
(b) Secured/Good Neighbor Card and Select Fixed Rate MasterCards and VISA Cards. If your
(b) Finance Charges. No finance charges (other than International Transaction Fees) will be
Card is a Secured/Good Neighbor MasterCard, Secured/Good Neighbor VISA Card, Select
imposed on Purchases if you pay in full the New Balance shown on the Account Statement for
Fixed Rate MasterCard or Select Fixed Rate VISA Card, a fixed Monthly Periodic Rate and
your Current Billing Cycle by the Payment Due Date. If you have not done SO, a finance charge
corresponding APR will apply to all Transactions. Documents accompanying your Card, which
will accrue from the transaction date on Purchases at the applicable APR for Purchases until the
are incorporated by reference into this Agreement, disclose the fixed APRs in effect when your
date payment in full is posted to your Account.
Account is opened.
(c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic Rate and
A finance charge will be imposed on Cash Advances from the Transaction date and included in
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 finance charge on Cash Advances.
"Penalty APR for Other Default," "Changes to this Agreement" and "Default.")
(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we
The total finance charge for a Billing Cycle is the sum of the finance charges for Purchases and
may offer you an introductory or promotional APR for all or a part of your Transactions. For
Cash Advances. To compute the periodic rate portion of finance charges for your Current Billing
example, we may offer you a promotional APR to encourage specific transactions, such as
Cycle, we multiply the average daily balance of each type of your Transactions in the Current
transferring balances from accounts you have with others, or an introductory APR for Purchases
Billing Cycle by the applicable Monthly Periodic Rates for that cycle. Fees for Cash Advances and
when you open an Account. The period of time for which the introductory or promotional APR
International Transactions, if any, are added to and included in the total finance charges for your
applies may be limited. Any introductory or promotional APR offer will be subject to the terms
Current Billing Cycle.
of the offer and this Agreement. If applicable, we will disclose information regarding any
introductory or promotional APRs and the period of time during which they are in effect in the
15. Fees.
document that accompanies your Card or in materials we send you about the offer after you
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a finance
obtain your Card. If (i) we receive a Minimum Amount Due after its Payment Due Date; (ii)
charge in the form of a balance transfer fee equal to the greater of $5.00 or 4% of the
your total outstanding balance exceeds your Account credit limit on the closing date of a Billing
total dollar amount of the balance you are transferring from another account to your Account.
Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used
Annual Fee. Certain cards have an annual fee. If your Card has an annual fee, the amount
for payment on your Account has been returned to US unpaid for any reason, (B) we must
of the annual fee is disclosed in the application for your Account and also will be disclosed in
return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a
the document that accompanies your Card. This fee is assessed for the use of the Account and
Convenience Check used to access your Account is not honored for any reason, we may adjust
associated services, and will be identified as a fee on your Account Statement in the first Billing
the APR to the APR then in effect or the penalty APR, as applicable.
Cycle after you open your Account and annually thereafter.
(e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we
Cash Advance Fee. We will assess a finance charge in the form of a Cash Advance fee
reserve the right to increase the APR to 24.99% (corresponding Monthly Periodic Rate of
equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance
2.0825%) on all new and outstanding Account balances each time we do not receive at least
on your Account.
the Minimum Amount Due within 60 days of its Payment Due Date, including when we do not
Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due
receive the Minimum Amount Due because a check, similar instrument or electronic payment
Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you
order that we receive as payment on your Account has been returned to US unpaid for any
make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing
reason, or we must return a check or other instrument because it is not signed or is otherwise
Cycles. In any event, the late payment fee will not be greater than your Minimum Amount Due
incomplete. Once you become subject to this penalty APR, we may change your APR for
for the Billing Cycle for which your payment was late.
outstanding balances back to the respective APRs in effect for your Account (not including any
International Transaction Fee. There is a finance charge in the form of a transaction
promotional APR), but only if you bring your Account current and then, for six (6) consecutive
fee equal to 3% of the U.S. dollar amount of each Foreign Transaction. This fee will be in
Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other
addition to any other applicable transaction fees.
variable or fixed APR that would otherwise apply to new and outstanding Account balances will
Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of
change to this penalty APR.
your Card is expedited.
(f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase
Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your
the APR to 24.99% (corresponding Monthly Periodic Rate of 2.0825%) on all new
Card at your request.
Transactions on your Account that occur more than 14 days after we send you notice of the
Convenience Check Fee. Unless your offer indicates otherwise, we will assess a finance
increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date but
charge in the form of a convenience check fee equal to the greater of $5 or 4% of the total
before 60 days after its Payment Due Date; (ii) your total outstanding balance exceeds your
dollar amount of each convenience check used.
Account credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar instrument
or electronic payment order that you have used for payment on your Account has been returned
We may institute a standard charge or charges for the issuance, reissuance or use of the Card or
to US unpaid for any reason, (B) we must return a check or other instrument because it is not
for the reinstatement of any Card or Account privileges which have been suspended, as well as an
signed or is otherwise incomplete, or (C) a Convenience Check used to access your Account
annual fee and per item fee for each Transaction, and you agree to pay US such charges and fees.
is
not honored for any reason. Once you become subject to this penalty APR, we may change
your APR back to the respective APRs in effect for your Account (not including any promotional
3
16. Foreign Currency Transactions. If a Transaction is made in a foreign currency, we
GENERAL PROVISIONS
and MasterCard or Visa, depending on which Card is used, will convert the Transaction into a
U.S. dollar amount. MasterCard and Visa will act in accordance with their operating regulations
18. Accepting this Agreement. This Agreement will be effective on either the date
you sign or otherwise submit an application for the Account that we approve or the date you
or conversion procedures in effect at the time the Transaction is processed. Currently, their
use, or someone you authorized uses, the Card or the Account, whichever is earlier. You agree
regulations and procedures provide that the currency conversion rate used is either: (1) a
that by using the Account or the Card, signing an Account application or other Account document
wholesale market rate, or (2) a government-mandated rate in effect one day prior to the
or otherwise accepting the Account or the Card, you accept the terms and conditions of
processing date. The currency conversion rate calculated in this manner that is in effect on the
this Agreement.
processing date may differ from the rate in effect on the transaction date or the posting date.
17. Billing Errors. A statement of your right to dispute billing errors appears below.
19. Promise to Pay. By using your Card or your Account, you promise to pay US for all
Transactions made on your Account, as well as any fees, finance charges or other charges.
If
YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE
this is a joint account, each of you, together and individually, is responsible for all amounts
owed, even if only one of you uses the Account.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement. If you think there is an error on your
20. Your Responsibility. You are responsible for all Transactions and other amounts
statement, write to US at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza,
posted to your Account arising from the authorized use of your Account or Card. If you
Cincinnati, Ohio 45263
have authorized another person to use your Account or Card in any way, we will deem your
In your letter, give US the following information:
authorization to include the authorization to make Transactions of any kind using your Account
Account Information: Your name and Account number.
or Card and to incur related fees and charges. We will also deem your authorization to continue
Dollar amount: The dollar amount of the suspected error.
until you revoke it by preventing that person from using your Account or Card. We are not
Description of Problem: If you think there is an error on your bill, describe what you believe is
responsible for controlling any person whom you have asked US to add to your Account or
wrong and why you believe it is a mistake.
someone you let use your Account or Card. You should think carefully before allowing anyone
You must contact US:
to
become an authorized user on your Account because you are allowing that person to use the
Within 60 days after the error appeared on your statement.
Account as you can. If you wish to remove that person's ability to use your Account or Card,
At least 3 Business Days before an automated payment is scheduled, if you want to stop
you must notify US in writing. This notice will not be effective until we receive and have had a
payment on the amount you think is wrong.
reasonable opportunity to act on it.
You must notify US of any potential errors in writing. You may call US, but if you do, we are not
required to investigate any potential errors and you may have to pay the amount in question.
OUR RIGHTS AND HOW THEY AFFECT YOU
What Will Happen After We Receive Your Letter.
21. Delays in Enforcement. We can delay enforcing or not enforce any of our rights
When we receive your letter, we must do two things:
1.
under this Agreement without losing our right to enforce them in the future. For example,
Within 30 days of receiving your letter, we must tell you that we received your letter. We will
we may accept late payments or payments that are marked "payment in full" or with other
also tell you if we have already corrected the error.
restrictive endorsements without losing any of our rights under this Agreement.
2. Within 90 days of receiving your letter, we must either correct the error or explain to you
why we believe the bill is correct.
22. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke
While we investigate whether or not there has been an error:
your right to use your Account or Card, along with your right to make future Transactions, at
We cannot try to collect the amount in question, or report you as delinquent on that amount.
any time and for any reason without notice to you. You or anyone you authorized to use the
The charge in question may remain on your statement, and we may continue to charge you
Card or Account may terminate your Account and use of your Card at any time by calling US
interest on that amount.
at 1-800-972-3030, or writing to US at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square
While you do not have to pay the amount in question, you are responsible for the remainder
Plaza, Cincinnati, Ohio 45263. Any request to terminate your Account will be effective after we
of your balance.
have had a reasonable opportunity to act on such request. The termination of this Agreement,
We can apply any unpaid amount against your credit limit.
whether initiated by US or you, will not affect any of your or our rights and obligations under
After we finish our investigation, one of two things will happen:
this Agreement. If this Agreement is terminated, you must still repay any amounts you owe
If we made a mistake: You will not have to pay the amount in question or any interest or
US,
even if we allow a Transaction to be completed with your Account or Card after this Agreement
other fees related to that amount.
has been terminated. You agree to give to US or to destroy all of the Cards issued on your
If we do not believe there was a mistake: You will have to pay the amount in question,
Account when we ask you to or when this Agreement is terminated. If someone attempts to
along with applicable interest and fees. We will send you a statement of the amount you
use a Card after this Agreement is terminated, the Card may be retained. A Card also may be
owe and the date payment is due. We may then report you as delinquent if you do not pay
retained when you try to use it when certain other events occur.
the amount we think you owe.
If you receive our explanation but still believe your bill is wrong, you must write to US within
23. Default. Subject to Applicable Law, your Account will be in default under this Agreement
10 days telling US that you still refuse to pay. If you do SO, we cannot report you as delinquent
if any one of the following occurs: (a) you become generally unable to pay your debts, (b) you
without also reporting that you are questioning your bill. We must tell you the name of anyone
die or are declared legally incompetent, (c) you use a check or instrument for payment that
to whom we reported you as delinquent, and we must let those organizations know when the
is dishonored, (d) you fail to pay the Minimum Amount Due on or before your Payment Due
matter has been settled between US.
Date, (e) any other creditor tries by legal process to take money of yours in our possession,
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount
(f) a petition is filed or other proceeding is commenced by or against you under the federal
you question, even if your bill is correct.
bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide US
Your Rights If You Are Dissatisfied With Your Card Purchase. If you are dissatisfied with the
with any false or misleading information, (h) you breach any of your other obligations under
goods or services that you have purchased with your Card, and you have tried in good faith
this Agreement, (i) you exceed your Account credit limit, (j) you are in default of any other
to correct the problem with the merchant, you may have the right not to pay the remaining
credit agreement you have with US or any of our affiliates, or (k) we believe in good faith that
amount due on the Purchase. To use this right, all of the following must be true:
you may not pay or perform your obligations under this Agreement. The payment of any fee
1. The Purchase must have been made in your home state or within 100 miles of your current
charged by US will not cure the default that caused the fee.
mailing address, and the Purchase price must have been more than $50. (Note: Neither of
these are necessary if your purchase was based on an advertisement we mailed to you, or if
24. Our Additional Rights When You Are in Default. If your Account is in default
we own the company that sold you the goods or services.)
under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion of
2. You must have used your Card for the Purchase. Purchases made with Cash Advances from
your outstanding Account balance immediately, (b) allow you to repay your Account subject to
an ATM do not qualify.
the terms and conditions of this Agreement, (c) immediately terminate your Account and cancel
3. You must not yet have fully paid for the Purchase.
all Cards, (d) reduce your Account credit limit or otherwise limit your ability to make Transactions
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact US in
as discussed in this Agreement, (e) commence a legal proceeding against you to collect all
writing at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263.
amounts owed in connection with this Agreement, or (f) increase the APR for Purchases and
While we investigate, the same rules apply to the disputed amount as discussed above.
Cash Advances. We also may charge you court costs and reasonable attorneys' fees that we
After we finish our investigation, we will tell you our decision. At that point, if we think you owe
actually incur, as permitted by Applicable Law, if your Account is sent for collection to an attorney
US an amount and you do not pay, we may report you as delinquent.
who is not our salaried employee. We will not be obligated to honor any attempted use of your
Card or your Account if your Account is in default, or we have decided to terminate your Account
or limit your ability to make Transactions as discussed in this Agreement. Except as otherwise
4
provided for in this Agreement, finance charges will continue to accrue at the APR in effect at the
time of default until your total Account balance, including such accrued finance charges, is paid in
This provision will survive termination of your Account, as well as the repayment of all
full. You agree that, subject to Applicable Law, if your Account is in default under this Agreement,
outstanding amounts incurred in connection with this Agreement. If any portion of this provision
you will accept calls from US at your home and your place of business regarding collection of your
is deemed invalid or unenforceable under any law or statute consistent with the FAA, it will not
Account. You understand and agree that the calls to your home may be automatically dialed and
invalidate the remaining portions of this arbitration provision or the Agreement. In the event of
a recorded message may be played. You agree such calls will not be considered "unsolicited"
a conflict or inconsistency between the AAA Rules and this arbitration provision, this provision
calls or telemarketing calls for purposes of state or federal law.
will govern.
25. Reevaluation of Financial Condition and Credit History. We may reevaluate
28. Changes to this Agreement. Subject to Applicable Law, we can change this
your financial condition and investigate any information you provided on your Account
Agreement at any time, regardless of whether you have access to your Account, by adding,
application at any time. In the course of doing SO, we may obtain a current credit report and
deleting or modifying any provision (including increasing any rate of finance charge, increasing
ask you for additional information about your financial condition by completing a Personal
or adding fees or charges (including annual fees), changing the method of computing balances
Financial Statement or such other form that we request from time to time. You give US your
subject to finance charge, changing your Account credit limit, changing the date upon which
permission to obtain any information about you that we believe would be beneficial to facilitate
finance charges begin to accrue, changing the Minimum Amount Due or limiting the number
our determination of your eligibility for the Account and the Card, including credit reports from
or amount of Transactions on your Account). Any such changes will generally be effective
consumer reporting agencies. We may, as a result of any such re-evaluation, deem your Account
immediately unless we are required by Applicable Law to provide you with advance written
to be in default.
notice of the proposed changes. If this is the case, those changes will be effective immediately
following the effective date stated in the notice. Subject to Applicable Law, any such changes
26. Telephone Monitoring and Recording. You acknowledge that your telephone
will apply to your outstanding Account balance on the effective date of the change and to any
calls and other communications you provide to US may be monitored and recorded for training
future balances created after that date. If we give you the right to reject a change (whether
and quality control purposes. You agree that we may monitor, record, retain and reproduce
because it is required by Applicable Law or otherwise), and you do not notify US by the date
your telephone calls and any other communications you provide to US, regardless of how
stated in a notice, or if you notify US but then use your Account after the date stated in the
transmitted to US, as evidence of your authorization to act in connection with any Transaction,
notice, you will be deemed to accept all changes in the notice and to accept and confirm
your Account or other service contemplated by this Agreement. We will not be liable for any
all terms of your Agreement and all changes in prior notices we have sent you regardless of
losses or damages that are incurred as a result of these actions. We are not, however, under
whether you have access to your Account. If you reject a change that we make, we will close
any obligation to monitor, record, retain or reproduce such items, unless required to do SO by
your Account. No change to any term of this Agreement will affect your obligation to pay all
Applicable Law.
amounts you owe under this Agreement.
27. Arbitration. You and we each agree that any Claim will be arbitrated instead of litigated
29. Waiver of Rights. Except as may be prohibited by Applicable Law, you agree to waive
in court under the circumstances and procedures set forth below. Any Claim will be resolved
any right you may have for US to act promptly in bringing any action(s) against you (known as
upon the election of arbitration by you or US pursuant to this provision and the AAA Rules in
diligence); to demand payments of amounts due (known as presentment); to obtain an official
effect at the time the Claim is filed. (If for any reason the AAA is unable or unwilling or ceases
certification of non-payment (known as protest); and to give notice that amounts due will not
to serve as arbitration administrator, another nationally recognized arbitration organization
be paid (known as notice of dishonor or notice of default and non-payment).
utilizing similar rules and procedures will be substituted by us.) With respect to Claims covered
by this provision, a party who has asserted a Claim in a lawsuit in court may elect arbitration
30. Change of Address. We will rely on the address we have for you in our records for
with respect to any Claim subsequently asserted in that lawsuit by any other party or parties.
any Account communications we send to you unless and until either you or the U.S. Postal
IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR
Service notifies US of a change of address and we have had a reasonable opportunity to act on
WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT
such notice. If your Account is a joint Account, each of you appoints the other as your agent
CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA
to designate the address to which any and all Account communications, including the Account
RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR
Statement, may be sent to you.
MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
EXCEPT AS SET FORTH BELOW, THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING.
31. Correspondence. To the extent permitted by Applicable Law, any communication you
NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT
send to US will not be effective until we receive it and have had a reasonable opportunity to
BE AVAILABLE IN ARBITRATION.
act on it. Any communication we send to you will, however, be effective and deemed delivered
when mailed to you at your address as it appears on our records.
The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by visiting
the AAA's Web site at www.adr.org. All Claims must be filed at any AAA office.
32. Assignment. You may not sell, assign or transfer your Account or Card or any of your
rights and obligations under this Agreement. We may, however, sell, assign or transfer your
There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration
Account, or any balance due thereunder, and our rights and obligations under this Agreement to
hearing that you attend will take place in the federal judicial district in which you reside. At
another entity without your consent and without prior notice. That entity will take our place in
your written request, we will temporarily advance up to $500 towards the filing, administrative
this Agreement.
and/or hearing fees for any Claim that you may file against US after you have paid an amount
equivalent to the fee, if any, for filing such a Claim in state or federal court (whichever is less)
33. Severability. If any provision of this Agreement is deemed to be void or unenforceable
in the judicial district in which you reside. At the conclusion of the arbitration, the arbitrator will
by a court of competent jurisdiction, or any governmental agency, that provision will continue
decide who will ultimately be responsible for paying the filing, administrative and/or hearing
to be enforceable to the extent permitted by that court or agency, and the remainder of that
fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will
provision will no longer be considered as part of this Agreement. All other provisions of this
bear the expense of that party's attorneys', experts' and witness fees, regardless of which party
Agreement will, however, remain in full force and effect.
prevails in the arbitration.
34. Governing Law. This Agreement is entered into between you and US in the State
This provision is made pursuant to a transaction involving interstate commerce and will be
of Ohio, and your Account and this Agreement, and any claim, dispute or controversy arising
governed by the FAA, 9 U. S. C. §§ 1 et seq., as amended. The arbitrator will apply applicable
from or relating to your Account or this Agreement, whether based in contract, tort, fraud
substantive law consistent with the FAA and applicable statutes of limitations and will honor
or otherwise and regardless of the place where you live, is governed by, and construed in
claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator may
accordance with, the laws of the State of Ohio, without regard to Ohio's conflict of laws
be entered in any court having jurisdiction. The arbitrator's decision will be final and binding,
principles, and applicable federal laws and regulations. The legality, enforceability and
except for any right of appeal provided by the FAA and except that, if the amount in controversy
interpretation of this Agreement and the amounts contracted for under this Agreement also are
exceeds $100,000, any party can appeal the award to a three-arbitrator panel administered
governed by Ohio law and applicable provisions of federal law, and all amounts granted under
by the AAA, which will reconsider de novo any aspect of the initial award requested by the
this Agreement are extended from the State of Ohio.
appealing party. The decision of the panel will be by majority vote. The costs of such an appeal
will be borne by the appealing party regardless of the outcome of the appeal.
35. Entire Agreement. You acknowledge that this Agreement, as amended from time
to time, and the documents accompanying your Card that apply to your Account, which are
As solely used in this provision, the terms we and US will for all purposes mean Fifth Third Bank,
incorporated by reference into this Agreement, make up the entire agreement between you and
all of its parents, wholly- or majority-owned subsidiaries, affiliates, predecessors, successors
US and supersedes and may not be contradicted by evidence of any prior or contemporaneous
and assigns, and all of their independent contractors, agents, employees, directors and
written or oral communications and understandings between you and US concerning the Account
representatives.
5
and the Card. Neither you nor we intend that anything in this Agreement should result in the
(c) Cash withdrawals from Jeanie, Money Station or other ATM terminals may be made only
assessment of fees or charges in excess of those permitted by Applicable Law. If any fee or
from individual or joint personal Bank Accounts and not from any other accounts.
charge assessed under this Agreement is finally determined to be in excess of that permitted
(d) You are not permitted to make bill payments or transfers or pay for Purchases from any
by Applicable Law, the excess amount will be applied to reduce the outstanding balance in
Bank Account that is a savings account using a Jeanie or Money Station terminal, Fifth Third
your Account or, if there is no outstanding balance, will be refunded to you. You agree that any
Internet Banking and Bill Payment or Fifth Third Bank Telephone Banking, except as provided
in
documentation provided to you that indicates that a Transaction was made shall be admissible
subparagraph (e) below.
as evidence of such Transaction and shall be proof that such transaction or transfer was made.
(e) Fifth Third savings accounts allow up to six of the following transfers or withdrawals on
the account per month: pre-authorized or automatic transfers/withdrawals, or transfers/
36. Questions. If you have any questions about this Agreement or your Card, please contact
withdrawals made by check, debit card, or similar order payable to a third party. Examples
US at 1-800-972-3030.
of preauthorized or automatic transfers include automatic transfers from savings to checking
to cover an overdraft or a transfer of funds or bill payment from your savings account using
37. Section Headings. The Section headings used in this Agreement are only meant to
Fifth Third Internet Banking and Bill Payment, Fifth Third Bank Telephone Banking, or any
organize this Agreement, and do not in any way limit or define your or our rights or
money management payment from your savings account. You may, however, make as many
obligations hereunder.
payments as you wish from your Fifth Third savings account to your installment, mortgage or
credit card accounts with US.
READY RESERVE AND EFT SERVICES
(f) You may not use the Card a POS terminal.
38. Ready Reserve. If you have applied and been approved for the Ready Reserve feature
(g) For security reasons, there are limits on the amount of cash withdrawals from your Bank
of your Account, you can authorize automatic transfers from your Account into any checking
Account that may be made from Jeanie, Money Station or other electronic banking terminals
account you maintain with US in order to cover an overdraft on such account and any applicable
or systems.
service charge. If you overdraw your checking account with US on any day, we may charge your
(h) There are limits on the amount of cash you may withdraw or transfer immediately after you
Account for a Cash Advance in an amount equal to the overdrawn amount or $50, whichever
make a deposit.
is greater, in order to eliminate the overdraft, together with any applicable finance charges and
(i) You may place a stop payment order on a preauthorized EFT from your Account by notifying
service charges. If you have applied and been approved for Ready Reserve, you may use your
US orally or in writing at least three (3) Business Days before the scheduled date of the transfer.
Card as an ATM card by entering your PIN.
Once you have placed a stop payment order on a preauthorized transfer, we will not make any
more preauthorized transfers to the person or company that you were going to pay until we
39. Use of Card for EFT Services. If you use your Card as an ATM card, the following
receive a new written authorization from you.
additional terms and conditions apply to your use of your Card to access your Bank Account
(j) No deposits or withdrawals may be made to or from a dormant Bank Account through
for the EFT services we make available (for example, (a) use of the Jeanie Pulse®,
Jeanie, Money Station or other electronic banking terminal or system.
Plus
System®, Visa, MasterCard, Cirrus®, or other electronic banking terminals or systems;
(k) We may, from time to time, limit the type, number and dollar amounts of any checks,
(b) use of our telephone bill payment service; (c) use of Fifth Third Bank Telephone Banking
drafts, withdrawals or transfers, that may be made from your Bank Account using the Card,
to transfer money; (d) use of Fifth Third Internet Banking and Bill Payment to transfer money
even if you have sufficient available funds in your Bank Account, and to terminate or suspend
or pay bills; (e) electronic direct deposits of government payments such as Social Security and
the operation of any or all EFT devices, including your Card, without notice, unless required by
payroll payments; (f) preauthorized bill payments; and (g) electronic check conversion) and
Applicable Law.
are provided to you in accordance with the requirements of federal law.
(I) For security reasons, there may be other limits on the number and amount of transactions
you can make using the Jeanie system.
40. ATM Transaction Charges. Your checking, savings, credit card or line of credit
account with US may be subject to charges when using an ATM that does not display both our
43. Error Resolution Process. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR
logo and the Jeanie logo. Details about these charges are disclosed elsewhere in this Agreement
ELECTRONIC TRANSFERS, telephone US at 1-800-972-3030 or write US at Fifth Third Bank,
and in our "Checking Brochure" and "Savings Brochure." Also, if you use an ATM that does
MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263 as soon as you can if you
not display both our logo and the Jeanie logo, you may be charged a fee by the ATM owner or
think your statement or receipt is wrong or if you need more information about a transfer listed
operator, as well as by any network used (and you may be charged a fee for a balance inquiry
on the statement or receipt. We must hear from you no later than sixty (60) days after we
even if you do not complete an EFT).
sent the FIRST statement on which the error or problem appeared.
(a) Tell US your name and Bank Account number (if any).
41. Types of EFTs. If you use your Card and your PIN, you may:
(b) Describe the error or the transfer you are unsure about, and explain as clearly as you can
(a) withdraw cash from your Bank Account;
why you believe it is an error or why you need more information.
(b) obtain a Cash Advance;
(c) Tell US the dollar amount of the suspected error.
(c) make deposits to your Bank Account (Note: Money Station ATMs will not accept deposits
greater than $10,000. We reserve the right to reject deposits in excess of $10,000 at any
If you tell US orally, we may require that you send US your complaint or question in writing
ATM displaying the Jeanie logo);
within ten (10) Business Days. We will determine whether an error occurred within ten (10)
(d) transfer funds between your checking, savings, Visa, MasterCard or line of credit accounts;
Business Days following the date you notified US, and we will correct any error promptly. If
(e) pay bills directly from your Bank Account to parties that have been identified and have
we need more time, however, we may take up to forty-five (45) calendar days to investigate
agreed to accept your payments, provided that your Bank Account is a checking account and the
your complaint or question following the date you notified US. If we decide to do this, we will
payment is made in accordance with our procedures; and
provisionally recredit your Bank Account within ten (10) Business Days following the date you
(f) pay for purchases from your Bank Account at places that have agreed to accept your Card,
notified US for the amount you think is in error, SO that you will have the use of the money
provided that your Bank Account is a checking account.
during the time it takes US to complete our investigation. If we ask you to put your complaint
if you use your Card and your PIN to pay for a Purchase from a merchant or to withdraw
or question in writing and we do not receive it within ten (10) Business Days, we may not
cash from an ATM, you authorize US to debit your Bank Account for the total amount of the
provisionally recredit your Bank Account.
Transaction as shown on any sales draft or withdrawal order originated by use of your Card,
For errors involving new Bank Accounts, POS or foreign-initiated transactions, we may take up
regardless of whether you signed it. We will handle such sales drafts or withdrawal orders in the
to ninety (90) calendar days to investigate your complaint or question. For new Bank Accounts,
same way we handle checks and other items drawn on your Bank Account, with the exception
we may take up to twenty (20) Business Days to credit your Bank Account for the amount that
that you will have no right to stop payment. Some of these services may not be available at
you think is in error.
all terminals, may be limited by third parties and are subject to the limitations described in this
Agreement and other rules, regulations and agreements that apply to your Bank Account or your
We will tell you the results within three (3) Business Days after completing our investigation.
Account. You may perform other transfers as we expand the types of available transfers in the
If we decide that there was no error, we will send you a written explanation. You may ask for
future. We will notify you as to the nature and frequency of those transfers.
copies of the documents that we used in our investigation.
42. Limitations on Types and Frequency of Electronic Banking Transfers.
44. Fees. You agree that we may charge and deduct from your Bank Account (or any other
Electronic banking services, including Card Transactions, and payments are subject to the
account that you maintain with US primarily for personal, family or household purposes, as
following limitations in this section and elsewhere in this Agreement:
necessary) any charges associated with or incurred in connection with the use of your Card.
(a) Due to certain state banking laws currently in effect, you may not be able to make deposits
45. Disclosure of Bank Account Information to Third Parties. We take our
at all Jeanie or Money Station locations.
(b) The immediate use of deposited funds is restricted by our rules, regulations and agreements
responsibility to protect the confidentiality of your financial information very seriously. It is our
governing Bank Accounts.
policy never to share information about you, your Bank Account or the transfers made using
your Card with third parties, including marketing companies, except in the situations noted
6
below. Specifically, we will disclose such information:
(a) where it is necessary for completing transfers;
(b) in order to verify the existence and condition of your Bank Account for a third party, such as
a credit bureau or a merchant;
(c) in order to comply with government agency or court orders, such as a lawful subpoena;
(d) if you give US your written permission;
(e) in the investigation or prosecution of alleged fraudulent activity concerning your Bank
Account; or
(f) as otherwise provided in the Fifth Third privacy policy.
You authorize the disclosure to any merchant or other payee of the information relating to your
accounts as is reasonably necessary to perform our electronic banking services.
46. Documentation of Terminal Transfers. For transactions of more than $15, you
can get a receipt at the time you make any transfer to or from your Bank Accounts using a
Jeanie machine, Money Station, Plus System, VISA, MasterCard or any other electronic banking
terminal, unless, for some reason, the machine or terminal is not working properly.
47. Your Liability. Tell US AT ONCE if you believe your Card or PIN, or both, have been
lost, stolen or used (or may be used) or that a transfer has been or may be made with your
Card or PIN without your permission. Telephoning is the best way of keeping your possible
losses down. You could lose all the money in your Bank Account if you have a checking
account with the overdraft protection feature. If you tell US within two (2) Business Days,
you can lose no more than $50 if someone used your Card or PIN without your permission.
If you do NOT tell US within two (2) Business Days, and we can prove that we could have
stopped someone from using your Card or PIN without your permission if you had told US,
you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell US at once. If you do not tell
US within sixty (60) days after the statement was mailed to you, you may not get back any
money you lost after the sixty (60) days if we can prove that we could have stopped someone
from taking the money if you had told US in time.
If a good reason (such as a long trip or hospital stay) kept you from telling US, we will extend
the time period for a reasonable time.
48. Business Days. For purposes of the section of this Agreement entitled Ready Reserve
and EFT Services, our Business Days are Monday through Friday. Holidays are not included.
49. Contacts in the Event of Unauthorized Card Transfers. If you believe that
your Card or PIN, or both, has been lost or stolen or that someone has authorized or may
authorize a transfer from your Bank Account without your permission, you can call US at
1-800-782-0279.
50. Authorized Use. You agree that, if you authorize another person to use your Account,
Bank Account, Card or PIN in any manner, your authorization will be deemed to include the
authorization to perform electronic banking services of any kind using your Account, Bank
Account, Card or PIN and to incur related fees and charges, even if that person exceeds your
authorization. Your authorization will be deemed to continue until you have taken all steps
necessary to revoke it by preventing such use by that person.
51. Service. If you use the Card for Fifth Third Bank Telephone Banking or other telephone
banking or Fifth Third Internet Banking and Bill Payment, and we approve such use of the Card,
we will transfer money in your Bank Accounts with US or accounts over which you have the
authority to withdraw or transfer funds to the accounts of designated merchants. Such transfer
will be made upon your instructions by use of a telephone, or by other means acceptable to US.
You agree to allow a reasonable period of time (at least five (5) Business Days) for a merchant
to receive the payment. We will not be responsible for any delays caused by mail service or
others. In no case will we be liable for any interest or late payment charges assessed by a
merchant or termination of service caused by a delay in a merchant's receipt of the payment.
You agree to notify US of any change in your address or account with a merchant, including
change of account number.
52. Card Cancellation, Revocation or Limitation. Your Card may be cancelled,
revoked or limited in its use at any time by US or our agent.
Fifth Third Bank, Member FDIC.
Rev. 08/11
FACTS
WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right
to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your
personal information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
Social Security number, name, address, email address, income, and assets
Payment history and account balances
Credit history and credit worthiness
HOW?
All financial companies need to share customers' personal information to run their everyday business. In the
section below, we list the reasons financial companies can share their customers' personal information; the
reasons Fifth Third chooses to share; and whether you can limit this sharing.
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION
DOES FIFTH THIRD SHARE?
CAN YOU LIMIT THIS SHARING?
For our everyday business purposes- such as to process
your transactions, maintain your account(s), respond to court
Yes
No
orders and legal investigations, or report to credit bureaus
For our marketing purposes- to offer our products and
Yes
No
services to you
For joint marketing with other financial companies
Yes
No
For our affiliates' everyday business purposes-
Yes
No
information about your transactions and experiences
For our affiliates' everyday business purposes-
Yes
Yes
information about your creditworthiness
For our affiliates to market to you
Yes
Yes
For nonaffiliates to market to you
No
N/A
TO LIMIT
Call 1-800-889-5269-our menu will prompt you through your choice(s); or
OUR
Write to us at Fifth Third, Customer Service, Privacy Administration, Post Office Box 4444, Cincinnati, OH 45263-4444.
SHARING
Requests must include your name, address, telephone number, and Social Security number (or taxpayer
identification 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 affiliates (please see next page for List of Affiliates).
WHAT WE DO
How does Fifth Third protect my
To protect your personal information from unauthorized access and use, we use
personal information?
security measures that comply with federal law. These measures include computer
safeguards and secured files 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,
affiliates, or other companies.
8
Why can't | limit all sharing?
Federal law gives you the right to limit only:
sharing for affiliates' everyday business purposes-information about your creditworthiness
affiliates from using your information to market to you
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
See below for more information on state laws.
What happens when I limit sharing
Your choices will apply to everyone on your account.
for an account I hold jointly with
someone else?
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and
nonfinancial companies.
Our affiliates include companies with a Fifth Third name; financial companies such as an
insurance agency or a leasing company.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and
nonfinancial companies.
Fifth Third does not share information with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market
financial 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, Office 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 financial information with other Fifth Third companies.
CUSTOMER IDENTIFICATION PROGRAM
In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies 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 identification 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 reflected 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 offered through
Fifth Third Securities, Inc.
Are Not FDIC Insured
Offer 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
Cash Rewards MasterCard Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
How We Will Calculate Your Balance: We use a method called "average daily
0%
Percentage
introductory APR for the first 12 Billing Cycles.
balance (including new purchases)."
Rate (APR)
After that, your APR will be
12.99%
to
23.99%,
for
Loss of Introductory APR: We may end your introductory APR for Purchases and
based on your credit worthiness. This APR will vary with the
Purchases:
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
market based on the WSJ Prime Rate.
make a payment that is returned or use a Convenience Check that is not honored.
APR for
0% introductory APR for the first 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 first 12 billing cycles.
Transfers:
will be 12.99% to 23.99%, based on your credit worthiness.
Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending
This APR will vary with the market based on the WSJ Prime Rate.
on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
APR for Cash
24.99%
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
Advances
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly
Penalty APR
24.99%
Periodic Rate for Cash Advances and Penalty is 2.0825%.
and When it
This APR may be applied to your Account if you:
Applies
1) Make a late payment;
The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers
2) Make a payment that is returned;
is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of
3) Use a Convenience Check that is not honored.
your interest rates added to the Index value VSJ Prime Rate) used to determine your APRs.
How Long Will the Penalty APR Apply? If your APRs
are increased because you are 60 days late, the Penalty APR
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
will apply until you make six consecutive minimum payments
subject to change thereafter.
when due. If your APRs are increased for other reasons listed
above, the Penalty APR will apply for an indefinite period of time.
The WSJ Prime Rate means the prime rate published in the "Money Rates" section
of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two
How to
Your due date is at least 21 days after the close of each Billing
days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
and corresponding APR for Purchases will be applied to your existing Account balance and
Interest on
your entire balance by the due date each month.
to subsequent transactions effective the first day of the Billing Cycle in which we determine
Purchases
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Minimum
If you are charged interest, the charge will be no less than $1.00.
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Interest
and the Minimum Amount Due will change and may result in a smaller part of your payment
Charge
being applied to reduce principal.
Explanation of Balance Subject to Interest Charges: We figure the interest
FEES
charge on your account by applying the periodic rate to the "average daily balance" of your
account. To get the "average daily balance" we take the beginning balance of your account
Annual Fees
each day, add any new purchases, and subtract any payments or credits. This gives US the
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Annual Fee
None
by the number of days in the billing cycle. This gives US the "average daily balance."
Transaction Fees
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
10
Employee Platinum Rewards MasterCard Fees
and Credit Disclosures
Interest Rates and Interest Charges
Annual
3.9%
How We Will Calculate Your Balance: We use a method called "average daily
Percentage
introductory APR until 1/1/2014.
balance (including new purchases)."
Rate (APR)
After that, your APR will be
5.24%.
for Purchases:
Loss of Introductory APR: We may end your introductory APR for Purchases and
This APR will vary with the market based on the WSJ Prime Rate.
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
make a payment that is returned or use a Convenience Check that is not honored.
APR for
3.9% introductory APR for the life of the balance. If you no
Balance
longer qualify for this introductory APR, your APR will be the
The introductory APR for Purchases is 3.9% until 1/1/2014. Thereafter, the APR for
Transfers:
standard APR for Purchases and will be 5.24%. This APR will
Purchases is 5.24%. The introductory APR for Balance Transfers is 3.9% for the life of the
vary with the market based on the WSJ Prime Rate.
balance. If you no longer qualify for this introductory APR, Balance Transfers will be subject
to the standard APR for Purchases and will be 5.24%. The APR for Cash Advances is 18.24%.
APR for Cash
Your APR will be 18.24%. This APR will vary with the market
The APR for Penalty is 24.99%.
Advances
based on the WSJ Prime Rate.
Penalty APR
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.325%.
24.99%
and When it
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
This APR may be applied to your Account if you:
has ended will be 0.4367%. The Monthly Periodic Rate for Cash Advances is 1.52%. The
Applies
1) Make a late payment;
Monthly Periodic Rate for Penalty is 2.0825%.
2) Make a payment that is returned;
3) Use a Convenience Check that is not honored.
The margin added to the Prime Rate for the APR for Purchases and Balance Transfers is
How Long Will the Penalty APR Apply? If your APRs
1.99%. The margin added to the WSJ Prime Rate for the APR for Cash Advances is 14.99%.
are increased because you are 60 days late, the Penalty APR
Your margins are the portions of your interest rates added to the Index value (WSJ Prime
will apply until you make six consecutive minimum payments
when due. If your APRs are increased for other reasons listed
Rate) used to determine your APRs.
above, the Penalty APR will apply for an indefinite period of time.
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
How to
subject to change thereafter.
Your due date is at least 21 days after the close of each Billing
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
Interest on
The WSJ Prime Rate means the prime rate published in the "Money Rates" section of
your entire balance by the due date each month.
Purchases
the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days
prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and
Minimum
If you are charged interest, the charge will be no less than $1.00.
corresponding APR for Purchases will be applied to your existing Account balance and to
Interest
subsequent transactions effective the first day of the Billing Cycle in which we determine
Charge
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
FEES
and the Minimum Amount Due will change and may result in a smaller part of your payment
Annual Fees
being applied to reduce principal.
Annual Fee
None
Explanation of Balance Subject to Interest Charges: We figure the interest
charge on your account by applying the periodic rate to the "average daily balance" of your
Transaction Fees
account. To get the "average daily balance" we take the beginning balance of your account
Balance
Either $5 or 4% of the amount of each transfer, whichever is
each day, add any new purchases, and subtract any payments or credits. This gives US the
Transfer
greater.
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
by the number of days in the billing cycle. This gives US the "average daily balance."
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
11
Platinum MasterCard Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
0%
How We Will Calculate Your Balance: We use a method called "average daily
Percentage
introductory APR for the first 12 Billing Cycles.
balance (including new purchases)."
Rate (APR)
After that, your APR will be
10.99%
to
23.99%,
for
Loss of Introductory APR: We may end your introductory APR for Purchases and
based on your credit worthiness. This APR will vary with the
Purchases:
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
market based on the WSJ Prime Rate.
make a payment that is returned or use a Convenience Check that is not honored.
APR for
0% introductory APR for the first 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 first 12 billing
Transfers:
will be 10.99% to 23.99%, based on your credit worthiness.
cycles. Thereafter, the APR for Purchases and Balance Transfers will be 10.99% to 23.99%,
This APR will vary with the market based on the WSJ Prime Rate.
depending on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
APR for Cash
24.99%
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
Advances
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
Penalty APR
24.99%
has ended will be 0.9158% to 1.9992%, depending on your credit worthiness. The Monthly
and When it
This APR may be applied to your Account if you:
Periodic Rate for Cash Advances and Penalty is 2.0825%.
Applies
1) Make a late payment;
2) Make a payment that is returned;
The margin added to the Prime Rate for the APR for Purchases and Balance Transfers
3) Use a Convenience Check that is not honored.
is 7.74% to 20.74% depending on your credit worthiness. Your margins are the portions
How Long Will the Penalty APR Apply? If your APRs
of your interest rates added to the Index value (WSJ Prime Rate) used to determine your
APRs.
are increased because you are 60 days late, the Penalty APR
will apply until you make six consecutive minimum payments
when due. If your APRs are increased for other reasons listed
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
above, the Penalty APR will apply for an indefinite period of time.
subject to change thereafter.
How to
Your due date is at least 21 days after the close of each Billing
The WSJ Prime Rate means the prime rate published in the "Money Rates" section
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two
Interest on
your entire balance by the due date each month.
days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate
Purchases
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
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 finance 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
Annual Fees
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
Annual Fee
None
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
Transaction Fees
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Balance
Either $5 or 4% of the amount of each transfer, whichever is
by the number of days in the billing cycle. This gives US the "average daily balance."
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
12
Platinum Prime MasterCard Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
How We Will Calculate Your Balance: We use a method called "average daily
0% introductory APR for the first 12 Billing Cycles.
Percentage
balance (including new purchases)."
Rate (APR)
After that, your APR will be
3.25%
to
23.99%,
for
Loss of Introductory APR: We may end your introductory APR for Purchases and
based on your credit worthiness. This APR will vary with the
Purchases:
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
market based on the Prime Rate.
make a payment that is returned or use a Convenience Check that is not honored.
APR for
0% introductory APR for the first 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 first 12 billing cycles.
Transfers:
will be 3.25% to 23.99%, based on your credit worthiness.
Thereafter, the APR for Purchases and Balance Transfers is 3.25% to 23.99%, depending on
This APR will vary with the market based on the WSJ Prime Rate.
your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
APR for Cash
24.99%
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
Advances
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
has ended will be 0.2708% to 1.9992%, depending on your credit worthiness. The Monthly
Penalty APR
24.99%
and When it
Periodic Rate for Cash Advances and Penalty is 2.0825%.
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;
3) Use a Convenience Check that is not honored.
is 0% to 20.74% depending 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.
How Long Will the Penalty APR Apply? If your APRs
are increased because you are 60 days late, the Penalty APR
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
will apply until you make six consecutive minimum payments
subject to change thereafter.
when due. If your APRs are increased for other reasons listed
above, the Penalty APR will apply for an indefinite period of time.
The WSJ Prime Rate means the prime rate published in the "Money Rates" section
of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two
How to
Your due date is at least 21 days after the close of each Billing
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate
Interest on
your entire balance by the due date each month.
and corresponding APR for Purchases will be applied to your existing Account balance and
Purchases
to subsequent transactions effective the first day of the Billing Cycle in which we determine
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Minimum
If you are charged interest, the charge will be no less than $1.00.
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Interest
and the Minimum Amount Due will change and may result in a smaller part of your payment
Charge
being applied to reduce principal.
FEES
Explanation of Balance Subject to Interest Charges: We figure the interest
charge on your account by applying the periodic rate to the "average daily balance" of your
Annual Fees
account. To get the "average daily balance" we take the beginning balance of your account
Annual Fee
$85 (for Prime + 0%) All other rates have no annual fee.
each day, add any new purchases, and subtract any payments or credits. This gives US the
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Transaction Fees
by the number of days in the billing cycle. This gives US the "average daily balance."
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Payment
Up to $35
13
Responsible MasterCard Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
0% introductory APR for the first 12 Billing Cycles.
How We Will Calculate Your Balance: We use a method called "average daily
Percentage
balance (including new purchases).'
Rate (APR)
After that, your APR will be
10.99%
to
23.99%
for
Loss of Introductory APR: We may end your introductory APR for Purchases and apply
based on your credit worthiness. This APR will vary with the market
Purchases:
the APR in effect or the Penalty APR if you make a late payment, make a payment that is
based on the WSJ Prime Rate.
returned or use a Convenience Check that is not honored.
APR for
Your APR will be the standard APR for Purchases and will be
Balance
10.99% to 23.99%, based on your credit worthiness.
The introductory APR for Purchases is 0% for the first 12 billing cycles. Thereafter, the APR
Transfers:
This APR will vary with the market based on the WSJ Prime Rate.
for Purchases is 10.99% to 23.99%, depending on your credit worthiness. Balance Transfers
will be subject to the APR for Purchases which is 10.99% to 23.99%, depending upon your
credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
APR for Cash
24.99%
Advances
The Monthly Periodic Rate for introductory Purchases is 0.0000%. The Monthly Periodic
Penalty APR
24.99%
Rate for Purchases after the introductory period has ended will be 0.9158% to 1.9992%,
and When it
This APR may be applied to your Account if you:
depending on your credit worthiness. The Monthly Periodic Rate for Balance Transfers is the
Applies
1) Make a late payment;
same as the monthly periodic rate for Purchases and is 0.9158% to 1.9992%, depending
on your credit worthiness. The Monthly Periodic Rate for Cash Advances and Penalty is
2) Make a payment that is returned;
2.0825%.
3) Use a Convenience Check that is not honored.
How Long Will the Penalty APR Apply? If your APRs
are increased because you are 60 days late, the Penalty APR
The margin added to the Prime Rate for the APR for Purchases and Balance Transfers
will apply until you make six consecutive minimum payments
is 7.74% to 20.74% depending on your credit worthiness. Your margins are the portions
when due. If your APRs are increased for other reasons listed
of your interest rates added to the Index value (WSJ Prime Rate) used to determine your
APRs.
above, the Penalty APR will apply for an indefinite period of time.
How to
Your due date is at least 21 days after the close of each Billing
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
subject to change thereafter.
Interest on
your entire balance by the due date each month.
Purchases
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
Minimum
If you are charged interest, the charge will be no less than $1.00.
days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate
Interest
and corresponding APR for Purchases will be applied to your existing Account balance and
Charge
to subsequent transactions effective the first day of the Billing Cycle in which we determine
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
FEES
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
and the Minimum Amount Due will change and may result in a smaller part of your payment
Annual Fees
being applied to reduce principal.
Annual Fee
None
Explanation of Balance Subject to Interest Charges: We figure the interest
Transaction Fees
charge on your account by applying the periodic rate to the "average daily balance" of your
Balance
account. To get the "average daily balance" we take the beginning balance of your account
Either $5 or 4% of the amount of each transfer, whichever is
each day, add any new purchases, and subtract any payments or credits. This gives US the
Transfer
greater.
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Cash
Either $5 or 4% of the amount of each Cash Advance,
by the number of days in the billing cycle. This gives US the "average daily balance."
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Payment
Up to $35
14
Secured MasterCard Fees and Credit Disclosures
Interest Rates and Interest Charges
How We Will Calculate Your Balance: We use a method called "average daily
Annual
Your APR will be
23.99%.
balance (including new purchases)."
Percentage
Rate (APR)
This APR will vary with the market based on the WSJ Prime Rate.
The APR for Purchases and Balance Transfers is 23.99%. The APR for Cash Advances and
for Purchases
Penalty is 24.99%.
and Balance
Transfers
The Monthly Periodic Rate for Purchases and Balance Transfers is 1.9992%.
The Monthly Periodic Rate for Cash Advances and Penalty is 2.0825%.
APR for Cash
24.99%
Advances
The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers
Penalty APR
24.99%
is 20.74%. Your margin is the portion of your interest rate added to the Index value
and When it
This APR may be applied to your Account if you:
(WSJ Prime Rate) used to determine your APRs.
Applies
1) Make a late payment;
2) Make a payment that is returned;
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
3) Use a Convenience Check that is not honored.
subject to change thereafter.
How Long Will the Penalty APR Apply? If your APRs
are increased because you are 60 days late, the Penalty APR
The WSJ Prime Rate means the prime rate published in the "Money Rates" section
will apply until you make six consecutive minimum payments
of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two
when due. If your APRs are increased for other reasons listed
days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate
above, the Penalty APR will apply for an indefinite period of time.
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
How to
Your due date is at least 21 days after the close of each Billing
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Interest on
your entire balance by the due date each month.
and the Minimum Amount Due will change and may result in a smaller part of your payment
Purchases
being applied to reduce principal.
Minimum
If you are charged interest, the charge will be no less than $1.00.
Explanation of Balance Subject to Interest Charges: We figure the interest
Interest
charge on your account by applying the periodic rate to the "average daily balance" of your
Charge
account. To get the "average daily balance" we take the beginning balance of your account
each day, add any new purchases, and subtract any payments or credits. This gives US the
FEES
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
by the number of days in the billing cycle. This gives US the "average daily balance."
Annual Fees
Annual Fee
$24
Transaction Fees
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
15
Real Life Rewards Credit Card Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
0%
How We Will Calculate Your Balance: We use a method called "average daily
Percentage
introductory APR for the first 12 Billing Cycles.
balance (including new purchases).'
Rate (APR)
After that, your APR will be 12.99% to 23.99%,
for
based on your credit worthiness. This APR will vary with the
Loss of Introductory APR: We may end your introductory APR for Purchases and
Purchases:
market based on the WSJ Prime Rate.
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
make a payment that is returned or use a Convenience Check that is not honored.
APR for
0% introductory APR for the first 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 first 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%
Advances
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
Penalty APR
24.99%
has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly
and When it
This APR may be applied to your Account if you:
Periodic Rate for Cash Advances and Penalty is 2.0825%.
Applies
1) Make a late payment;
2) Make a payment that is returned;
The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers
3) Use a Convenience Check that is not honored.
is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of
How Long Will the Penalty APR Apply? If your APRs
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.
are increased because you are 60 days late, the Penalty APR
will apply until you make six consecutive minimum payments
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
when due. If your APRs are increased for other reasons listed
subject to change thereafter.
above, the Penalty APR will apply for an indefinite 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 first day of the Billing Cycle in which we determine
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Minimum
If you are charged interest, the charge will be no less than $1.00.
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Interest
and the Minimum Amount Due will change and may result in a smaller part of your payment
Charge
being applied to reduce principal.
FEES
Explanation of Balance Subject to Interest Charges: We figure 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
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Transaction Fees
by the number of days in the billing cycle. This gives US the "average daily balance."
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
16
Nashville Predators Credit Card Fees and Credit Disclosures
Interest Rates and Interest Charges
Annual
Percentage
0% introductory APR for the first 12 Billing Cycles.
How We Will Calculate Your Balance: We use a method called "average daily
balance (including new purchases)."
Rate (APR)
After that, your APR will be 12.99% to 23.99%,
for
based on your credit worthiness. This APR will vary with the
Loss of Introductory APR: We may end your introductory APR for Purchases and
Purchases:
market based on the WSJ Prime Rate.
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
make a payment that is returned or use a Convenience Check that is not honored.
APR for
0% introductory APR for the first 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 first 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%
Advances
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
Penalty APR
24.99%
has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly
and When it
This APR may be applied to your Account if you:
Periodic Rate for Cash Advances and Penalty is 2.0825%.
Applies
1) Make a late payment;
2) Make a payment that is returned;
The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers
3) Use a Convenience Check that is not honored.
is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of
How Long Will the Penalty APR Apply? If your APRs
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.
are increased because you are 60 days late, the Penalty APR
will apply until you make six consecutive minimum payments
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
when due. If your APRs are increased for other reasons listed
subject to change thereafter.
above, the Penalty APR will apply for an indefinite period of time.
The 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 first day of the Billing Cycle in which we determine
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Minimum
If you are charged interest, the charge will be no less than $1.00.
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Interest
and the Minimum Amount Due will change and may result in a smaller part of your payment
Charge
being applied to reduce principal.
FEES
Explanation of Balance Subject to Interest Charges: We figure 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
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total
Transaction Fees
by the number of days in the billing cycle. This gives US the "average daily balance."
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
17
Columbus Zoo and Aquarium Credit Card
Fees and Credit Disclosures
Interest Rates and Interest Charges
How We Will Calculate Your Balance: We use a method called "average daily
Annual
balance (including new purchases)."
0%
Percentage
introductory APR for the first 12 Billing Cycles.
After that, your APR will be 12.99% to 23.99%,
Loss of Introductory APR: We may end your introductory APR for Purchases and
Rate (APR)
for
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment,
based on your credit worthiness. This APR will vary with the
Purchases:
make a payment that is returned or use a Convenience Check that is not honored.
market based on the WSJ Prime Rate.
APR for
0% introductory APR for the first 12 Billing Cycles.
The introductory APR for Purchases and Balance Transfers is 0% for the first 12 billing cycles.
Balance
After that, your APR will be the standard APR for Purchases and
Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending
Transfers:
will be 12.99% to 23.99%, based on your credit worthiness.
on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
This APR will vary with the market based on the WSJ Prime Rate.
The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
APR for Cash
24.99%
The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period
Advances
has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly
Periodic Rate for Cash Advances and Penalty is 2.0825%.
Penalty APR
24.99%
and When it
This APR may be applied to your Account if you:
The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers
Applies
1) Make a late payment;
is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions of
2) Make a payment that is returned;
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.
3) Use a Convenience Check that is not honored.
How Long Will the Penalty APR Apply? If your APRs
Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/12 and is
are increased because you are 60 days late, the Penalty APR
subject to change thereafter.
will apply until you make six consecutive minimum payments
when due. If your APRs are increased for other reasons listed
The WSJ Prime Rate means the prime rate published in the "Money Rates" section of
above, the Penalty APR will apply for an indefinite period of time.
the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days
prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and
How to
Your due date is at least 21 days after the close of each Billing
corresponding APR for Purchases will be applied to your existing Account balance and to
Avoid Paying
Cycle. We will not charge you interest on Purchases if you pay
subsequent transactions effective the first day of the Billing Cycle in which we determine
Interest on
your entire balance by the due date each month.
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase
Purchases
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge
Minimum
If you are charged interest, the charge will be no less than $1.00.
and the Minimum Amount Due will change and may result in a smaller part of your payment
Interest
being applied to reduce principal.
Charge
Explanation of Balance Subject to Interest Charges: We figure the interest
FEES
charge on your account by applying the periodic rate to the "average daily balance" of your
account. To get the "average daily balance" we take the beginning balance of your account
Annual Fees
each day, add any new purchases, and subtract any payments or credits. This gives US the
Annual Fee
None
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."
Transaction Fees
Balance
Either $5 or 4% of the amount of each transfer, whichever is
Transfer
greater.
Cash
Either $5 or 4% of the amount of each Cash Advance,
Advance
whichever is greater.
International
3% of each transaction in U.S. dollars.
Transaction
Penalty Fees
Late
Up to $35
Payment
18