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                     SELECT CARD ALLIANCE AGREEMENT for MasterCard  and Visa
    M-117245                       Effective February 12, 2016 
    This Agreement governs the terms and conditions of your Account, which is issued by Fifth  Daily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a 
    Third Bank, Cincinnati, OH. You should retain and carefully review this entire Agreement. You  daily basis.
    and we agree as follows:                New Balance: The new balance on your Account shown on the front of your  
                                              Account Statement.
    We give this Agreement to our cardholders when they are approved for an Account, or  Payment Address: The remittance address indicated on the front of your  
    when they request it. By opening an Account and making Transactions, you agree to use  Account Statement.
    this Account only for personal, family or household purposes and to comply with this entire  Payment Due Date: The date shown on the front of your Account Statement  
    Agreement. Unless otherwise speci?ed, the words you, your and yours mean anyone who  by which we must receive payment for the Billing Cycle.
    applied to us for an Account and whose application we have approved, and who uses the  PIN: Personal identi?cation number.
    Account with your permission. The words we, our, us and Fifth Third mean Fifth Third  POS: Point of sale.
    Bank and its successors and assigns.    Purchase: A purchase or lease of goods or services made with your Card or your Account.
                                            Transaction: A Purchase or a Cash Advance.
    DEFINITIONS                             U.S.: United States.
                                            Visa: Visa International.
    AAA: The American Arbitration Association.
                                            WSJ Prime Rate: The highest prime rate published in the �Money Rates� section  
    AAA Rules: The AAA Rules and Procedures.
                                              of the online version of The Wall Street Journal.
    Account: Unless the context provides otherwise, your account that you can access  
     with your Select Card Alliance MasterCard or Visa credit card.
    Account Statement: The periodic statement we mail to you in connection with  
                                            HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
     your Account.
    Agreement: This Select Card Alliance Agreement for MasterCard and Visa. 1. Card Transactions, Purchases and Cash Advances. You may use your Account 
    Applicable Law: At any time, any applicable (a) federal, state or local statutes,  and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your 
     regulations, licensing requirements, regulatory bulletins or guidance, regulatory  Account number to participating merchants and establishments where the Card is honored. 
     examinations, agreements or orders, (b) rule, regulation, restriction, requirement 
     or contractual term of Visa, MasterCard or other card network, and (c) judicial or  You may also use your Card to transfer balances from other creditors, to make other 
     administrative interpretations of any of the foregoing. transactions by means of balance transfer coupons or checks, or for any other transactions 
    APR: Annual percentage rate.            that we encourage you to make through an introductory or promotional offer, in accordance 
    ATM: Automated teller machine.          with the additional terms and conditions that we may offer from time to time. Unless we tell 
    Available Credit Limit: The difference between the balances you owe us and   you otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 
     your Account credit limit.
    Billing Cycle: Time periods we use to manage your Account; each Billing Cycle   You agree that any debt incurred using your Account or your Card is valid, regardless  
     is approximately one month long.       of the purpose of the Transaction.
    Business Day: Monday through Friday, excluding holidays.
    Card: Unless the context provides otherwise, each MasterCard and/or VISA card   Purchases from a merchant that are directly convertible to cash (sometimes called �quasi-
     that we issue on your Account.         cash� transactions), such as purchases of casino gaming chips, money orders, wire transfer 
    Cash Advance: A transaction in which you (a) use your Card to get cash from an ATM;  services, travelers cheques or foreign currency, may not be permitted with your Card. You may 
     (b) present your Card to any bank or other person that accepts the Card to get cash or  not use your Card or your Account for any illegal transaction or any gambling transaction. We 
     cash-like equivalents (for example, money orders, traveler�s checks or other payment  reserve the right to decline any such transaction without notice.
     instruments) from your Account; (c) use a Convenience Check, or (d) use your Card or 
     your Account number to make a person-to-person transfer conducted through the Internet  Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
     or otherwise; or (e) quasi-cash transactions. dollar amounts of any Transactions, even if you have suf?cient available credit. We may also 
    Claim: Any claim, dispute or controversy between you and us arising from or relating to  terminate or suspend your use of your Account and Card and access to your Account without 
     this Agreement, any prior agreement that you may have had with us or the relationships  notice unless prohibited by Applicable Law.
     resulting from the Agreement or any prior agreement, including the validity, enforceability 
     or scope of this provision, the Agreement or any prior agreement. Claim includes claims of  2. Credit Limit. We may establish an Account credit limit. You agree not to let the sum 
     every kind and nature, including but not limited to initial claims, counterclaims, cross-claims  of all Transactions posted to your Account, plus any ?nance charges, fees and other charges 
     and third-party claims and claims based upon contract, tort, fraud and other intentional  provided for in this Agreement, exceed your Account credit limit as communicated to you from 
     torts, statute, common law and equity. The term Claim is to be given the broadest possible  time to time. 
     meaning and includes, by way of example and without limitation, any claim, dispute or 
     controversy that arises from or relates to (a) the Account created by the Agreement or any  Your initial Account credit limit will be disclosed in the document that accompanies your Card. 
     prior agreement or any balances on the Account, (b) advertisements, promotions or oral  Your Account Statement may also show that only part of your Account credit limit may be 
     or written statements related to the Account or the terms of ?nancing, and (c) your use of  used for Cash Advances. 
     the Account.
    Convenience Check: A check that may be used to access your Account. 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   We may refuse to authorize or accept any Transaction on your Account or Card that would 
     the United States or in a foreign currency. cause you to exceed your Available Credit Limit. If we, in our sole discretion, decide to 
    International Transaction Fee: A fee imposed for each Transaction outside of   authorize or accept a Transaction on your Account or Card that would exceed your Available 
     the U.S. or in a foreign currency.     Credit Limit, we will not be liable to you if we do. Subject to Applicable Law, we may charge 
    MasterCard: MasterCard International.Minimum Amount Due: The minimum amount  to and deduct from your Account the amount of the Transaction and other related fees 
     you must pay by the Payment            provided for in this Agreement. We may also request that you immediately repay us the 
     Due Date shown on the front of your Account Statement. amount in excess of your Available Credit Limit, suspend your Account or Card privileges and 
                                            terminate this Agreement.
    3. Convenience Checks. We may issue Convenience Checks to you, which may be used  exceed the Minimum Amount Due will be applied in the following order: ?nance charges, 
    to access your Account. We will treat any Convenience Check issued to you that we pay as a  fees, the Account balance with the lowest APR, then to each consecutive Account balance 
    Cash Advance (except for a Convenience Check issued to you as part of a promotional offer  bearing the next lowest APR at the time payment is posted to your Account.
    which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the  We may, in our sole discretion, offer you the ability to make your payments on an expedited 
    amount of the Convenience Check from your Cash Advance credit limit. Each Convenience  basis. When you authorize us to process an expedited payment to your Account, we may 
    Check must be denominated in U.S. dollars and completed and signed by you in the same  charge you a fee. The amount of the fee will be disclosed to you at the time of the payment. 
    manner as a personal check. If we provide you with Convenience Checks for your Account,  We are not responsible if your ?nancial institution dishonors an expedited payment for any 
    you may not use them to pay any amount you owe on your Account. You may not request,  reason, and we will retain the fee in those circumstances.
    and we will not honor, a stop payment on any Convenience Check. We reserve the right to 
    return any Convenience Check unpaid if (a) the amount of the Convenience Check exceeds  8. Prepayment. You may pay without penalty any portion of the entire New Balance or 
    your Cash Advance credit limit; (b) your Account is not in good standing or you are otherwise  more than your Minimum Amount Due before the Payment Due Date. You understand that by 
    in default of this Agreement; (c) your Card or Convenience Checks have been reported  making a prepayment, the total amount you owe us will be reduced but that you must pay 
    lost or stolen or your Account may have been subject to unauthorized use; (d) you use a  the Minimum Payment Due in successive Billing Cycles as re?ected in your Account Statement.
    Convenience Check to pay any amount you owe on your Account; or (e) for any other reason. 
    We will not be liable if we choose to return any Convenience Check unpaid.
                                            DETERMINATION OF FINANCE CHARGES
    4. Unauthorized Use. You must notify us immediately and assist us in our investigation  9. Daily Periodic Rate. We determine the Daily Periodic Rate by dividing the applicable 
    if your Card is lost or stolen or you believe someone is using your Account or a Card without  APR by 365. 
    your permission. 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 at: Select Card Alliance, P.O. Box  10. Minimum Finance Charge. If you incur ?nance charges in any Billing Cycle that 
    495933, Cincinnati, OH 45249-5933 or call us at: 877-881-6018. We may still require you  total less than $1.00, the ?nance charge that will be charged to your Account is $1.00.
    to provide notice in writing. 
                                            11. APR.
    5. Third-Party Claims or Defenses. We are not responsible if a third party refuses  (a) Purchases and Cash Advances. Documents accompanying your Card, which are 
    to accept or honor your Card or Account, even if you have suf?cient available credit. Except  incorporated by reference into this Agreement, disclose the APR for Purchases and  
    as required by Applicable Law, we will not be responsible for any claim or defense you may  Cash Advances in effect when your Account is opened. 
    have against any third party that arises out of or in connection with any Transaction with your 
    Account or Card or any services or goods or other property purchased or leased using your  Variable APR for Purchases. If the APR for Purchases is a variable rate based on the 
    Account or Card.                        WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable 
                                            margin for those Transactions to the WSJ Prime Rate. (A �margin� is the percentage we add 
    PAYING YOUR BILLS                       to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), 
                                            but will not exceed 24.99% (corresponding Daily Periodic Rate of 0.0685%). Any increase 
    6. Periodic Account Statements. Except as otherwise stated in this Agreement, we will 
                                            or decrease in the WSJ Prime Rate will result in an increase or decrease in your Daily Periodic 
    send you an Account Statement. Unless you make other arrangements with us, your Account 
                                            Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will 
    Statement will be mailed to you by regular mail to your address as it appears on our records.
                                            change and may result in a smaller part of your payment being applied to reduce principal. 
                                            We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. 
    We will send your Account Statement for each Billing Cycle at the end of which your Account 
                                            Changes to the Daily Periodic Rate and corresponding APR for Purchases will be applied to 
    has a debit or credit balance in excess of $1.00 or on which a ?nance charge has been 
                                            your existing Account balance and to subsequent Transactions effective as of the ?rst day of 
    imposed. Generally, you will receive 12 Account Statements each year your Account is open. 
                                            the Billing Cycle in which we determine the interest rate.  If The Wall Street Journal does 
    We will not send your Account Statement if (a) we deem your Account uncollectible, (b) 
                                            not publish the prime rate, or if it changes the de?nition of prime rate, we may, at our sole 
    delinquency collection proceedings have been instituted, or (c) for any other reason permitted 
                                            discretion, substitute another index.
    by Applicable Law. 
                                            (b) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and 
                                            corresponding APR for Purchases and Cash Advances if you are in default of this Agreement, 
    7. Payments. Your payment is due on or before the Payment Due Date shown on your 
                                            or if we, in our sole discretion and from time to time, decide to take such action. (Please see 
    Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
                                            the sections of this Agreement entitled �Penalty APR for Payments Late by 60 Days or More,� 
    Statement on a monthly basis, which will be the greater of (a) 2% of the New Balance, (b) 
                                            �Penalty APR for Other Default,� �Changes to this Agreement� and �Default.�)
    0.5% of the New Balance plus total billed ?nance charges and any fees, or (c) $25.00.  
                                            (c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, 
    Any New Balance less than $25.00 is payable in full. The Minimum Amount Due shown on 
                                            we may offer you an introductory or promotional APR for all or a part of your Transactions. 
    your Account Statement will also include any amount past due and any amount by which your 
                                            For example, we may offer you a promotional APR to encourage speci?c transactions, 
    Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
                                            such as transferring balances from accounts you have with others, or an introductory APR 
    instrument drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money 
                                            for Purchases when you open an Account. The period of time for which the introductory 
    order. Payments must be denominated in U.S. dollars. 
                                            or promotional APR applies may be limited. Any introductory or promotional APR offer will 
                                            be subject to the terms of the offer and this Agreement. If applicable, we will disclose 
    All payments submitted by mail, except disputed payments, must be mailed or delivered to us 
                                            information regarding any introductory or promotional APRs and the period of time during 
    at the Payment Address. Any payments received after 5:00 p.m. Central Time on any Business 
                                            which they are in effect in the document that accompanies your Card or in materials we 
    Day will be credited on the next Business Day. Credit to your Account may be delayed for up 
                                            send you about the offer after you obtain your Card. If i) we receive a Minimum Amount 
    to 5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. 
                                            Due after its Payment Due Date; (ii) your total outstanding balance exceeds your Account 
    dollars drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money order, 
                                            credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar instrument or 
    or (c) not accompanied by the top portion of your Account Statement. Delayed crediting 
                                            electronic payment order that you have used for payment on your Account has been returned 
    may cause you to incur additional fees and ?nance charges. (You understand that payments 
                                            to us unpaid for any reason, (B) we must return a check or other instrument because it is not 
    submitted by mail may not be made, and may not be deemed received by us, at any location 
                                            signed or is otherwise incomplete, or (C) a Convenience Check used to access your Account is 
    other than the Payment Address.) All credits for payments to your Account are subject to ?nal 
                                            not honored for any reason, we will, subject to Applicable Law, adjust the APR to the APR then 
    payment by the institution on which the item of payment was drawn. 
                                            in effect or the penalty APR, as applicable.  
                                            (d) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we
    Although we may post payments as of the date we receive them, your Available Credit Limit 
                                            reserve the right to increase the APR to 24.99% (corresponding Daily Periodic Rate of
    may not be restored for up to 10 days after we receive your payment. Payments on your 
                                            0.0685%) on all new and outstanding Account balances each time we do not receive at least
    Account that exceed the Minimum Amount Due will be allocated ?rst to the Account balance 
                                            the Minimum Amount Due within 60 days of its Payment Due Date. Once you become subject 
    with the highest APR, and then to each consecutive Account balance bearing the next highest 
                                            to this penalty APR, we may change your APR for outstanding balances back to the respective 
    APR, at the time payment is posted to your Account. Payments on your Account that do not 
    APRs in effect for your Account (not including any promotional APR), but only if you bring your  Billing Cycles. In any event, the late payment fee will not be greater than your Minimum 
    Account current and then, for six (6) consecutive Billing Cycles, you pay at least the Minimum  Amount Due for the Billing Cycle for which your payment was late.
    Amount Due by the Payment Due Date. Any other variable or non-variable APR that would  International Transaction Fee. There is a ?nance charge in the form of a transaction 
    otherwise apply to new and outstanding Account balances will change to this penalty APR. fee equal to 3% of the U.S. dollar amount of each Foreign Transaction.  
    (e) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to This fee will be in addition to any other applicable transaction fees.
    increase the APR to 24.99% (corresponding Daily Periodic Rate of 0.0685%) on all new Expedited Card Delivery Fee. Subject to Applicable Law, we will charge a delivery fee 
    Transactions on your Account that occur more than 14 days after we send you notice of the of $30 per Account if delivery of your Card is expedited.
    increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date Expedited Phone Payment. Subject to Applicable Law, we will assess a fee  
    but before 60 days after its Payment Due Date. Once you become subject to this penalty APR,  of $9.95 for expedited payments taken over the phone.
    we may change your APR back to the respective APRs in effect for your Account (not including Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
    any promotional APR), but only if you bring your Account current (if applicable), and then for Card at your request.
    six (6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment Convenience Check Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    Due Date. Any other variable or non-variable APR that would otherwise apply to new Account  charge in the form of a convenience check fee equal to 4% of the total dollar amount of 
    balances will change to this penalty APR. each convenience check used.
                                            Documentation Fee. We will provide copies of billing statements, sales drafts and 
    12. Balance Subject to Finance Charge and Finance Charges. payment instruments (�Items�) to you upon request. We will impose a fee of $5 for each 
    (a) Balance Subject to Finance Charge. We will treat all fees (excluding Cash Advance fees)  copy of an Item unless prohibited by Applicable Law. We will not impose any fee if your 
    as Purchases for the purpose of computing the average daily balance for Purchases. We  request is made in connection with notice of a billing error.
    will treat Cash Advance fees as Cash Advances for the purpose of computing the average  Other Fees. We may institute a standard charge or charges for the issuance, reissuance or 
    daily balance for Cash Advances. We calculate the balances of Purchases that are subject to  use of the Card or for the reinstatement of any Card or Account privileges which have been 
    a ?nance charge separately, based on the average daily balance of those Purchases in the  suspended, as well as an annual fee and per item fee for each Transaction, and you agree to 
    Current Billing Cycle. We calculate the balance of Cash Advances that is subject to a ?nance  pay us such charges and fees.
    charge separately, based on the average daily balance of those Cash Advances in the Current 
    Billing Cycle. To determine the average daily balance for each type of Transaction (that  14. Foreign Currency Transactions. If a Transaction is made in a foreign currency, 
    is, Purchases and Cash Advances) during the Current Billing Cycle, we take the beginning  we and MasterCard or Visa, depending on which Card is used, will convert the Transaction 
    balance of each type of Transaction each day, add any new Transactions of that type, and  into a U.S. dollar amount. MasterCard and Visa will act in accordance with their operating 
    subtract any payments or credits applied to that type of Transaction that day. This gives us  regulations or conversion procedures in effect at the time the Transaction is processed. 
    the daily balance for that type of Transaction. The daily balance for each type of Transaction  Currently, their regulations and procedures provide that the currency conversion rate used is 
    is considered to be $0 for any day on which those portions of your Account have a credit  either: (1) a wholesale market rate, or (2) a government-mandated rate in effect one day 
    balance. Then, we add all of the daily balances for the Current Billing Cycle and divide the  prior to the processing date. The currency conversion rate calculated in this manner that is in 
    total by the number of days in the Current Billing Cycle. This gives us an average daily balance  effect on the processing date may differ from the rate in effect on the transaction date or the 
    of each type of Transaction for your Current Billing Cycle. posting date.
    (b) Finance Charges. No ?nance charges (other than International Transaction Fees) will be 
    imposed on Purchases if you pay in full the New Balance shown on the Account Statement for  15. Billing Errors. A statement of your right to dispute billing errors appears below.
    your Current Billing Cycle by the Payment Due Date. If you have not done so, a ?nance charge 
    will accrue from the transaction date on Purchases at the applicable APR for Purchases until  YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE
    the date payment in full is posted to your Account.
                                            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
    A ?nance charge will be imposed on Cash Advances from the Transaction date and included in 
                                            What To Do If You Find a Mistake on Your Statement. 
    the average daily balance of Cash Advances at the applicable APR for Cash Advances until the 
                                            If you think there is an error on your statement, write to us at: 
    date payment in full is posted to your Account. There is no grace period or time period within 
                                            Select Card Alliance, P.O. Box 495933, Cincinnati, OH 45249-5933
    which to pay and avoid a ?nance charge on Cash Advances.
                                            Ensure you give us the following information when contacting us:
    The total ?nance charge for a Billing Cycle is the sum of the ?nance charges for Purchases and 
                                            �  Account Information: Your name and Account number.
    Cash Advances. To compute the periodic rate portion of ?nance charges for your Current Billing 
                                            �  Dollar amount: The dollar amount of the suspected error.
    Cycle, we multiply the average daily balance of each type of your Transactions in the Current 
                                            �  Description of Problem: If you think there is an error on your bill, describe what you believe 
    Billing Cycle by the applicable Daily Periodic Rates for that cycle and multiply this number 
                                              is wrong and why you believe it is a mistake.
    by the number of days in the Current Billing Cycle. Fees for Cash Advances and International 
                                            You must contact us:
    Transactions, if any, are added to and included in the total ?nance charges for your Current 
                                            �  Within 60 days after the error appeared on your statement.
    Billing Cycle.
                                            �  At least 3 Business Days before an automated payment is scheduled, if you want  
                                              to stop payment on the amount you think is wrong.
    13. Fees.
                                            You must notify us of any potential errors in writing. You may call us, but if you do, we are 
    Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a ?nance 
                                            not required to investigate any potential errors and you may have to pay the amount in 
    charge in the form of a balance transfer fee equal to 4% of the total dollar amount of the
                                            question.
    balance you are transferring from another account to your Account.
    Annual/Monthly Fee. Certain cards may have an annual or monthly fee. If your Card has 
                                            What Will Happen After We Receive Your Letter. 
    one of these fees, the amount of this fee is disclosed in the application for your Account and 
                                            When we receive your letter, we must do two things:
    also will be disclosed in the document that accompanies your Card. This fee is assessed for the 
                                            1. Within 30 days of receiving your letter, we must tell you that we received your letter. We 
    use of the Account and associated services, and for (i) Annual Fees, will be identi?ed as a fee 
                                              will also tell you if we have already corrected the error.
    on your Account Statement in the ?rst Billing Cycle after you open your Account and annually 
                                            2. Within 90 days of receiving your letter, we must either correct the error or explain to you 
    thereafter, and (ii) Monthly Fees, will be identi?ed as a fee on your Account Statement each 
                                              why we believe the bill is correct.
    month.
                                            While we investigate whether or not there has been an error:
    Cash Advance Fee. We will assess a ?nance charge in the form of a Cash Advance fee 
                                            � We cannot try to collect the amount in question, or report you as delinquent on  
    equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
                                              that amount.
    on your Account.
                                            �  The charge in question may remain on your statement, and we may continue to charge 
    Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
                                              you interest on that amount.
    Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
                                            �  While you do not have to pay the amount in question, you are responsible for the 
    make your required Minimum Amount Due by the Payment Due Date for six consecutive 
                                              remainder of your balance.
    �  We can apply any unpaid amount against your credit limit. 20. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
    After we ?nish our investigation, one of two things will happen: your right to use your Account or Card, along with your right to make future Transactions, at 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or  any time and for any reason without notice to you. You or anyone you authorized to use the 
     other fees related to that amount.     Card or Account may terminate your Account and use of your Card at any time by calling us 
    �  If we do not believe there was a mistake: You will have to pay the amount in question,  at 877-881-6018, or writing to us at Select Card Alliance, P.O. Box 495933, Cincinnati, OH 
     along with applicable interest and fees. We will send you a statement of the amount you  45249-5933. Any request to terminate your Account will be effective after we have had a 
     owe and the date payment is due. We may then report you as delinquent if you do not  reasonable opportunity to act on such request. The termination of this Agreement, whether 
     pay the amount we think you owe.       initiated by us or you, will not affect any of your or our rights and obligations under this 
                                            Agreement. If this Agreement is terminated, you must still repay any amounts you owe us, 
    If you receive our explanation but still believe your bill is wrong, you must write to us  even if we allow a Transaction to be completed with your Account or Card after this Agreement 
    within 10 days telling us that you still refuse to pay. If you do so, we cannot report you  has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
    as delinquent without also reporting that you are questioning your bill. We must tell you  Account when we ask you to or when this Agreement is terminated. If someone attempts to 
    the name of anyone to whom we reported you as delinquent, and we must let those  use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
    organizations know when the matter has been settled between us. If we do not follow all of  retained when you try to use it when certain other events occur.
    the rules above, you do not have to pay the ?rst $50 of the amount you question, even if 
    your bill is correct.                   21. Default. Subject to Applicable Law, your Account will be in default under this 
                                            Agreement if any one of the following occurs: (a) you become generally unable to pay your 
    Your Rights If You Are Dissatis?ed With Your Card Purchase. If you are dissatis?ed with the  debts, (b) you die or are declared legally incompetent, (c) you use a check or instrument 
    goods or services that you have purchased with your Card, and you have tried in good faith  for payment that is dishonored, (d) you fail to pay the Minimum Amount Due on or before 
    to correct the problem with the merchant, you may have the right not to pay the remaining  your Payment Due Date, (e) any other creditor tries by legal process to take money of yours 
    amount due on the Purchase. To use this right, all of the following must be true: in our possession, (f) a petition is ?led or other proceeding is commenced by or against you 
    1. The Purchase must have been made in your home state or within 100 miles of your current  under the federal bankruptcy act or any other applicable federal or state insolvency laws, 
     mailing address, and the Purchase price must have been more than $50. (Note: Neither of  (g) you provide us with any false or misleading information, (h) you breach any of your 
     these are necessary if your purchase was based on an advertisement we mailed to you, or  other obligations under this Agreement, (i) you exceed your Account credit limit, (j) you are 
     if we own the company that sold you the   in default of any other credit agreement you have with us or any of our af?liates, or (k) we 
     goods or services.)                    believe in good faith that you may not pay or perform your obligations under this Agreement. 
    2. You must have used your Card for the Purchase. Purchases made with Cash Advances from  The payment of any fee charged by us will not cure the default that caused the fee.
     an ATM do not qualify.
    3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and  22. Our Additional Rights When You Are in Default. If your Account is in default 
     you are still dissatis?ed with the Purchase, contact us in writing at: Select Card Alliance,  under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion 
     P.O. Box 495933, Cincinnati, OH 45249-5933. of your outstanding Account balance immediately, (b) allow you to repay your Account subject 
                                            to the terms and conditions of this Agreement, (c) immediately terminate your Account 
    While we investigate, the same rules apply to the disputed amount as discussed above. After  and cancel all Cards, (d) reduce your Account credit limit or otherwise limit your ability to 
    we ?nish our investigation, we will tell you our decision. At that point, if we think you owe us  make Transactions as discussed in this Agreement, (e) commence a legal proceeding against 
    an amount and you do not pay, we may report you as delinquent.     you to collect all amounts owed in connection with this Agreement, or (f) increase the APR 
                                            for Purchases and Cash Advances. We also may charge you court costs and reasonable 
                                            attorneys� fees that we actually incur, as permitted by Applicable Law, if your Account is sent 
    GENERAL PROVISIONS                      for collection to an attorney who is not our salaried employee. We will not be obligated to 
                                            honor any attempted use of your Card or your Account if your Account is in default, or we 
    16. Accepting this Agreement. This Agreement will be effective on either the date you 
                                            have decided to terminate your Account or limit your ability to make Transactions as discussed 
    sign or otherwise submit an application for the Account that we approve or the date you use, 
                                            in this Agreement. Except as otherwise provided for in this Agreement, ?nance charges will 
    or someone you authorized uses, the Card or the Account, whichever is earlier. You agree that 
                                            continue to accrue at the APR in effect at the time of default until your total Account balance, 
    by using the Account or the Card, signing an Account application or other Account document 
                                            including such accrued ?nance charges, is paid in full. You agree that, subject to Applicable 
    or otherwise accepting the Account or the Card, you accept the terms and conditions of this 
                                            Law, if your Account is in default under this Agreement, you will accept calls from us at your 
    Agreement.
                                            home and your place of business regarding collection of your Account. You understand and 
                                            agree that the calls to your home may be automatically dialed and a recorded message may 
    17. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
                                            be played. You agree such calls will not be considered �unsolicited� calls or telemarketing 
    Transactions made on your Account, as well as any fees, ?nance charges or other charges. If 
                                            calls for purposes of state or federal law.
    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.
                                            23. Reevaluation of Financial Condition and Credit History. We may reevaluate 
                                            your ?nancial condition and investigate any information you provided on your Account 
    18. Your Responsibility. You are responsible for all Transactions and other amounts 
                                            application at any time. In the course of doing so, we may obtain a current credit report and 
    posted to your Account arising from the authorized use of your Account or Card. If you 
                                            ask you for additional information about your ?nancial condition by completing a Personal 
    have authorized another person to use your Account or Card in any way, we will deem 
                                            Financial Statement or such other form that we request from time to time. You give us 
    your authorization to include the authorization to make Transactions of any kind using your 
                                            your permission to obtain any information about you that we believe would be bene?cial to 
    Account or Card and to incur related fees and charges. We will also deem your authorization 
                                            facilitate our determination of your eligibility for the Account and Cards, including credit reports 
    to continue until you revoke it by preventing that person from using your Account or Card. We 
                                            from consumer reporting agencies. We May, as a result of any such re-evaluation, (i) increase 
    are not responsible for controlling any person whom you have asked us to add to your Account 
                                            your credit line; (ii) decrease your credit line; (iii) or deem your account to be in default.
    or someone you let use your Account or Card. You should think carefully before allowing 
    anyone to become an authorized user on your Account because you are allowing that person 
                                            24. Communicating With You; Consent To Contact By Electronic And Other 
    to use the Account as you can. If you wish to remove that person�s ability to use your Account 
                                            Means. To the extent permitted by applicable law, you consent that we may contact you 
    or Card, you must notify us in writing. This notice will not be effective until we receive and 
                                            at any telephone number that you have provided or any number we have for you in our 
    have had a reasonable opportunity to act on it.
                                            records, including your cellular or other wireless device to service your account or for collection 
                                            purposes. We have your permission to contact you by any means available, including by text 
    OUR RIGHTS AND HOW THEY AFFECT YOU
                                            message. You also agree that we may contact you using prerecorded messages or automatic 
    19. Delays in Enforcement. We can delay enforcing or not enforce any of our rights  dialers. When we use the words �we� and �us� in this paragraph, we are also referring to our 
    under this Agreement without losing our right to enforce them in the future. For example,  af?liates, agents and service providers. If you give us an email address, you also consent to 
    we may accept late payments or payments that are marked �payment in full� or with other  our contacting you by email. 
    restrictive endorsements without losing any of our rights under this Agreement.
    25. Telephone Monitoring and Recording. You acknowledge that your telephone  27. Changes to this Agreement. Subject to Applicable Law, we can change this 
    calls and other communications you provide to us may be monitored and recorded for training  Agreement at any time, regardless of whether you have access to your Account, by adding, 
    and quality control purposes. You agree that we may monitor, record, retain and reproduce  deleting or modifying any provision (including increasing any rate of ?nance charge, 
    your telephone calls and any other communications you provide to us, regardless of how  increasing or adding fees or charges (including annual fees), changing the method of 
    transmitted to us, as evidence of your authorization to act in connection with any Transaction,  computing balances subject to ?nance charge, changing your Account credit limit, changing 
    your Account or other service contemplated by this Agreement.  We will not be liable for any  the date upon which ?nance charges begin to accrue, changing the Minimum Amount Due 
    losses or damages that are incurred as a result of these actions. We are not, however, under  or limiting the number or amount of Transactions on your Account). Any such changes will 
    any obligation to monitor, record, retain or reproduce such items, unless required to do so by  generally be effective immediately unless we are required by Applicable Law to provide you 
    Applicable Law.                         with advance written notice of the proposed changes. If this is the case, those changes will be 
                                            effective immediately following the effective date stated in the notice. Subject to Applicable 
    26. Arbitration. You and we each agree that any Claim will be arbitrated instead of  Law, any such changes will apply to your outstanding Account balance on the effective date 
    litigated in court under the circumstances and procedures set forth below. Any Claim will  of the change and to any future balances created after that date. If we give you the right to 
    be resolved upon the election of arbitration by you or us pursuant to this provision and the  reject a change (whether because it is required by Applicable Law or otherwise), and  you do 
    American Arbitration Association (AAA) Rules in effect at the time the Claim is ?led. (If for any  not notify us by the date stated in a notice, or if you notify us but then use your Account after 
    reason the AAA is unable or unwilling or ceases to serve as arbitration administrator, another  the date stated in the notice, you will be deemed to accept all changes in the notice and to 
    nationally recognized arbitration organization utilizing similar rules and procedures will be  accept and con?rm all terms of your Agreement and all changes in prior notices we have sent 
    substituted by us.) With respect to Claims covered by this provision, a party who has asserted  you regardless of whether you have access to your Account. If you reject a change that we 
    a Claim in a lawsuit in court may elect arbitration with respect to any Claim subsequently  make, we will close your Account. No change to any term of this Agreement will affect your 
    asserted in that lawsuit by any other party or parties. IF ARBITRATION IS CHOSEN BY  obligation to pay all amounts you owe under this Agreement.
    ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO 
    LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN  28. Waiver of Rights. Except as may be prohibited by Applicable Law, you agree to 
    PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA RULES. FURTHER, YOU  waive any right you may have for us to act promptly in bringing any action(s) against you 
    WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY  (known as diligence); to demand payments of amounts due (known as presentment); to 
    CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET  obtain an of?cial certi?cation of non-payment (known as protest); and to give notice that 
    FORTH BELOW, THE ARBITRATOR�S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER  amounts due will not be paid (known as notice of dishonor or notice of default and non-
    RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN  payment).
    ARBITRATION.
                                            29. Change of Address. We will rely on the address we have for you in our records for 
    The AAA Rules and forms of the AAA may be obtained by calling 800-778-7879 or by visiting  any Account communications we send to you unless and until either you or the U.S. Postal 
    the AAA�s Web site at www.adr.org. All Claims must be ?led at any AAA of?ce. Service noti?es us of a change of address and we have had a reasonable opportunity to act 
                                            on such notice. If your Account is a joint Account, each of you appoints the other as your 
    There will be no authority for any Claims to be arbitrated on a class action basis. Any  agent to designate the address to which any and all Account communications, including the 
    arbitration hearing that you attend will take place in the federal judicial district in which you  Account Statement, may be sent to you.
    reside. At your written request, we will temporarily advance up to $500 towards the ?ling, 
    administrative and/or hearing fees for any Claim that you may ?le against us after you  30. Correspondence. To the extent permitted by Applicable Law, any communication 
    have paid an amount equivalent to the fee, if any, for ?ling such a Claim in state or federal  you send to us will not be effective until we receive it and have had a reasonable opportunity 
    court (whichever is less) in the judicial district in which you reside. At the conclusion of the  to act on it. Any communication we send to you will, however, be effective and deemed 
    arbitration, the arbitrator will decide who will ultimately be responsible for paying the ?ling,  delivered when mailed to you at your address as it appears on our records.
    administrative and/or hearing fees in connection with the arbitration. Unless inconsistent 
    with Applicable Law, each party will bear the expense of that party�s attorneys�, experts� and  31. Assignment. You may not sell, assign or transfer your Account or Card or any of your 
    witness fees, regardless of which party prevails in the arbitration. rights and obligations under this Agreement. We may, however, sell, assign or transfer your 
                                            Account, or any balance due thereunder, and our rights and obligations under this Agreement 
    This provision is made pursuant to a transaction involving interstate commerce and will be  to another entity without your consent and without prior notice. That entity will take our place 
    governed by the Federal Arbitration Act (FAA), 9 U. S. C. �� 1 et seq., as amended. The  in this Agreement.
    arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes 
    of limitations and will honor claims of privilege recognized at law. Judgment upon the award  32. Severability. If any provision of this Agreement is deemed to be void or unenforceable 
    rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator�s  by a court of competent jurisdiction, or any governmental agency, that provision will continue 
    decision will be ?nal and binding, except for any right of appeal provided by the FAA and  to be enforceable to the extent permitted by that court or agency, and the remainder of that 
    except that, if the amount in controversy exceeds $100,000, any party can appeal the award  provision will no longer be considered as part of this Agreement. All other provisions of this 
    to a three-arbitrator panel administered by the AAA, which will reconsider de novo any aspect  Agreement will, however, remain in full force and effect.
    of the initial award requested by the appealing party. The decision of the panel will be by 
    majority vote. The costs of such an appeal will be borne by the appealing party regardless of  33. Governing Law. This Agreement is entered into between you and us in the State of 
    the outcome of the appeal.              Ohio, and your Account and this Agreement, and any claim, dispute or controversy arising 
                                            from or relating to your Account or this Agreement, whether based in contract, tort, fraud 
    As solely used in this provision, the terms we and us will for all purposes mean Fifth Third  or otherwise and regardless of the place where you live, is governed by, and construed in 
    Bank, all of its parents, wholly- or majority-owned subsidiaries, af?liates, predecessors,  accordance with, the laws of the State of Ohio, without regard to Ohio�s con?ict of laws 
    successors and assigns, and all of their independent contractors, agents, employees, directors  principles, and applicable federal laws and regulations. The legality, enforceability and 
    and representatives.                    interpretation of this Agreement and the amounts contracted for under this Agreement also are 
                                            governed by Ohio law and applicable provisions of federal law, and all amounts granted under 
    This provision will survive termination of your Account, as well as the repayment of all  this Agreement are extended from the State of Ohio.
    outstanding amounts incurred in connection with this Agreement. If any portion of this 
    provision is deemed invalid or unenforceable under any law or statute consistent with the FAA, 
    it will not invalidate the remaining portions of this arbitration provision or the Agreement. In 
    the event of a con?ict or inconsistency between the AAA Rules and this arbitration provision, 
    this provision will govern.
    34. Entire Agreement. You acknowledge that this Agreement, as amended from 
    time to time, and the documents accompanying your Card that apply to your Account, 
    which are incorporated by reference into this Agreement, make up the entire agreement 
    between you and us and supersedes and may not be contradicted by evidence of any prior 
    or contemporaneous written or oral communications and understandings between you and 
    us concerning the Account and the Card. Neither you nor we intend that anything in this 
    Agreement should result in the assessment of fees or charges in excess of those permitted by 
    Applicable Law. If any fee or charge assessed under this Agreement is ?nally determined to 
    be in excess of that permitted by Applicable Law, the excess amount will be applied to reduce 
    the outstanding balance in your Account or, if there is no outstanding balance, will be refunded 
    to you. You agree that any documentation provided to you that indicates that a Transaction 
    was made shall be admissible as evidence of such Transaction and shall be proof that such 
    transaction or transfer was made.
    35. Rewards Program Terms and Conditions. If you are enrolled in a Rewards 
    program, terms of the program can be found at www.managemyrew.com.
    36. Questions. If you have any questions about this Agreement or your Card,  
    please contact us at 877-881-6018.
    37. Section Headings. The Section headings used in this Agreement are only meant 
    to organize this Agreement, and do not in any way limit or de?ne your or our rights or 
    obligations hereunder.
                                                                             Rev. 08/15
    FACTS    WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
    WHY?     Financial companies choose how they share your personal information. Federal law gives consumers 
             the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, 
             and protect your personal information. Please read this notice carefully to understand what we do.
             The types of personal information we collect and share depend on the product or service you have 
    WHAT?
             with us. This information can include:
             � Social Security number, name, address, email address, income, and assets
             � Payment history and account balances
             � Credit history and credit scores
    HOW?     All ?nancial companies need to share customers� personal information to run their everyday business. 
             In the section below, we list the reasons ?nancial companies can share their customers� personal 
             information; the reasons Fifth Third chooses to share; and whether you can limit this sharing.
    REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?
    For our everyday business purposes� such as to 
    process your transactions, maintain your account(s),  Yes          No
    respond to court orders and legal investigations, or 
    report to credit bureaus
    For our marketing purposes� to offer our products 
                                                   Yes                 No
    and services to you
    For joint marketing with other ?nancial 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 877-881-6018�our menu will prompt you through your choice(s); or
    OUR     � Write to us at Card Center, Privacy Administration, Post Office Box 495933, Cincinnati, OH 45249-5933. 
    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. 
             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 877-881-6018 or go to www.managemycreditcard.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 
    personal information?     use security measures that comply with federal law. These measures include 
                              computer safeguards and secured ?les and buildings.
    How does Fifth Third collect my  We collect your personal information, for example, when you:
    personal information?     � Open an account or apply for a loan
                              � Pay your bills or make a deposit
                              � Use your credit or debit card
                              We also collect your personal information from others, such as credit bureaus, 
                              affiliates, or other companies. 
                                          7
    Why can�t I 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  Your choices will apply to everyone on your account.
    sharing 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.
     OTHER IMPORTANT INFORMATION
     Nevada law requires that we provide you with the following contact information: 
     Card Center           Bureau of Consumer Protection, Office of the Nevada Attorney General
     Privacy Administration 555 East Washington Street, Suite 3900
     P.O. Box 495933       Las Vegas, NV 89101
     Cincinnati, OH 45249-5933 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. For CA and 
     VT residents, accounts with mailing addresses in these states will be treated as if they have selected for us not 
     to share information under a joint marketing agreement as defined above.
    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 Equipment Finance Company Fifth Third Holdings, LLC
    Fifth Third Insurance Agency, Inc. ClearArc Capital, Inc. Fifth Third Mortgage-Michigan, LLC
    Fifth Third Mortgage Company  Vantiv, Inc. and Vantiv, LLC Fifth Third Auto Leasing Trust
    Fifth Third Securities, Inc. Member FINRA/SIPC SLK Global/BPO Services Pvt. Ltd. Vista Settlement Services, LLC
    Fifth Third Mortgage Insurance Reinsurance Co.          Card Management Company, LLC
   Deposits and credit products provided by Fifth Third Bank. Member FDIC.       Equal Housing Lender.
   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 Bank provides access to investments and investment services through various subsidiaries, including Fifth Third Securities. Fifth Third 
   Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer and a registered investment advisor 
   registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. Securities and 
   investments offered through Fifth Third Securities, Inc. and insurance products:
                                                                               M-117245
    Are Not FDIC Insured Offer No Bank Guarantee May Lose Value
    Are Not Insured By Any Federal Government Agency Are Not A Deposit       AB-PPI-08/15
                                                                                   08/15
   Insurance products made available through Fifth Third Insurance Agency, Inc.
         Platinum Rewards and Cash Rewards Fees  
               and Credit Disclosures
   Interest Rates and Interest Charges
                                              How We Will Calculate Your Balance: We use a method called �average daily balance 
    Annual  
             0% introductory APR for the ?rst 12 Billing Cycles after the  (including new purchases).�
    Percentage  
             account is opened.  
    Rate (APR)  
                                              Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
    for Purchases  After the introductory period, your APR will be  
                                              Transfers and apply the APR in effect or the Penalty APR if you make a late payment.
    and Balance 
             13.24% to 22.24%,
    Transfers:
             based on your credit worthiness. After the account opening,   The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles 
             this APR will vary with the market based on WSJ Prime Rate. after the account is opened. After the introductory period, your APR will be 13.24% to 22.24% 
                                              based on your creditworthiness. After account opening, this APR will vary with the market based 
    APR for Cash  24.99%                      on the WSJ Prime Rate.
    Advances
                                              The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
    Penalty APR  24.99%
                                              The Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has 
    and When it  This APR may be applied to your Account if you make a late  
                                              ended will be 0.0363% to 0.0609% depending on your credit worthiness. The Daily Periodic 
    Applies  payment.
                                              Rate for Cash Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685%.
             How Long Will the Penalty APR Apply? If your APRs  
                                               
             are increased because you are 60 days late, the Penalty APR will 
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
             apply until you make six consecutive minimum payments when due. 
                                              will be 9.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
                                              your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  
    How to   Your due date is at least 26 days after the close of each Billing 
    Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 12/30/2015
    Interest on  your entire balance by the due date each month.
                                              and may have changed after that date. To obtain more recent information, please call us at 
    Purchases
                                              866-274-2328. 
    Minimum  If you are charged interest, the charge will be no less than $1.00.
    Interest                                  The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Charge                                    online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
   FEES                                       effective the ?rst day of the Billing Cycle in which we determine the interest rate. If the Wall 
                                              Street Journal does not publish the prime rate, or if it changes the de?nition of prime rate, we 
    Annual Fees
                                              may, at our sole discretion, substitute another index.
    � Annual Fee $0
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
    Transaction Fees                          on your account by applying the periodic rate to the �average daily balance� of your account. 
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    �  Balance  4% of the amount of each transfer
                                              add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
    Transfer
                                              Then, we add up all the daily balances for the billing cycle and divide the total by the number 
    �  Cash   Either $5 or 4% of the amount of each Cash Advance,  of days in the billing cycle. This gives us the �average daily balance.�
    Advance   whichever is greater.
    �  Convenience   4% of the total dollar amount of each convenience  
    Check     check used
    �  International   3% of each transaction in U.S. dollars.
    Transaction
    Penalty Fees
    �  Late Payment Up to $35
           Platinum Fees and Credit Disclosures
   Interest Rates and Interest Charges
    Annual                                    How We Will Calculate Your Balance: We use a method called �average daily balance 
             0% introductory APR for the ?rst 12 Billing Cycles after the 
    Percentage                                (including new purchases).�
             account is opened.  
    Rate (APR)  
    for Purchases  After the introductory period, your APR will be   Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
    and Balance                               Transfers and apply the APR in effect or the Penalty APR if you make a late payment.
             11.24% to 22.24%,
    Transfers:
             based on your credit worthiness. After account opening, this APR will  The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles 
             vary with the market based on WSJ Prime Rate. after the account is opened. After the introductory period, your APR will be 11.24% to 22.24% 
                                              based on your creditworthiness. After account opening, this APR will vary with the market based 
    APR for Cash  24.99%
                                              on the WSJ Prime Rate.
    Advances
                                              The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%.
    Penalty APR  24.99%
                                              The Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has 
    and When it  This APR may be applied to your Account if you make a late  
                                              ended will be 0.0308% to 0.0609% depending on your credit worthiness. The Daily Periodic 
    Applies  payment.
                                              Rate for Cash Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685%.
             How Long Will the Penalty APR Apply? If your APRs  
             are increased because you are 60 days late, the Penalty APR will 
                                              The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
             apply until you make six consecutive minimum payments when due. 
                                              will be 7.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
    How to   Your due date is at least 26 days after the close of each Billing  your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  
    Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
    Interest on  your entire balance by the due date each month. Information contained in this Fifth Third Bank Disclosure is accurate as of 12/30/2015
    Purchases                                 and may have changed after that date. To obtain more recent information, please call us at 
                                              866-274-2328. 
    Minimum  If you are charged interest, the charge will be no less than $1.00.
    Interest                                  The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Charge                                    online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
   FEES                                       effective the ?rst day of the Billing Cycle in which we determine the interest rate. If the Wall 
                                              Street Journal does not publish the prime rate, or if it changes the de?nition of prime rate, we 
    Annual Fees
                                              may, at our sole discretion, substitute another index.
    � Annual Fee $0
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
    Transaction Fees                          on your account by applying the periodic rate to the �average daily balance� of your account. 
    �  Balance  4% of the amount of each transfer To get the �average daily balance� we take the beginning balance of your account each day, 
    Transfer                                  add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
                                              Then, we add up all the daily balances for the billing cycle and divide the total by the number 
    �  Cash   Either $5 or 4% of the amount of each Cash Advance,  of days in the billing cycle. This gives us the �average daily balance.�
    Advance   whichever is greater.
    �  Convenience   4% of the total dollar amount of each convenience  
    Check     check used
    �  International   3% of each transaction in U.S. dollars.
    Transaction
    Penalty Fees
    �  Late Payment Up to $35