DUOAGRE 654468

FIFTH THIRD BANK CARD AGREEMENT for MasterCard® DUO CARD
Effective November 8, 2012

This Agreement governs the terms and conditions of your Duo Card. You should retain and 
carefully review this entire Agreement. You and we agree as follows:
We give this Agreement to our customers when they are approved for an Account, or when 
they request it. By obtaining a Card, opening an Account and making Transactions, you agree 
to use the Card and Account only for personal, family or household purposes and to comply 
with this entire Agreement. Unless otherwise specified, the words you, your and yours 
mean anyone who applied to us for an Account and whose application we have approved, and 
who uses the Account with your permission. The words we, our, us and Fifth Third mean 
Fifth Third Bank and its successors and assigns.

DEFINITIONS
AAA : The American Arbitration Association.
AAA Rules: The AAA Rules and Procedures.
Account: Unless the context provides otherwise, your credit card account that you can access 

with your Duo Card.

Account Statement: The periodic statement we mail to you in connection with 

your Account.

Agreement: This Fifth Third Bank Card Agreement for MasterCard Duo Card.
Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations, 

licensing requirements, regulatory bulletins or guidance, regulatory examinations, 
agreements or orders, (b) rule, regulation, restriction, requirement or contractual term of 
MasterCard, and (c) judicial or administrative interpretations of any of the foregoing.

APR: Annual percentage rate.
ATM: Automated teller machine.
Available Credit Limit: The difference between the balances you owe us and your Account 

credit limit.

Bank Account: Your savings or checking account that you maintain with us primarily for 

personal, household or family purposes and designate to be accessed by your Card and PIN.

Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is 

approximately one month long.

Business Day: Monday through Friday, excluding holidays.
Card: Unless the context provides otherwise, each Duo Card that we issue on your Account.
Cash Advance: A transaction in which you (a) use your Card to get a cash advance from an 
ATM; (b) present your Card to any bank or other person that accepts the Card to get cash 
or cash-like equivalents (for example, money orders, traveler’s checks or other payment 
instruments) from your Account; (c) use a Convenience Check or access Ready Reserve, or 
(d) use your Card or your Account number to make a person-to-person transfer conducted 
through the Internet or otherwise. When you use your Card and PIN at an ATM to withdraw 
cash, that cash withdrawal will not be considered a Cash Advance.

Credit Transactions: A Purchase or Cash Advance or an advance using Ready Reserve to 

cover an overdraft on a checking account for which you have requested and been approved 
for Ready Reserve.

Claim: Any claim, dispute or controversy between you and us arising from or relating to 

this Agreement, any prior agreement that you may have had with us or the relationships 
resulting from the Agreement or any prior agreement, including the validity, enforceability 
or scope of this provision, the Agreement or any prior agreement. Claim includes claims of 
every kind and nature, including but not limited to initial claims, counterclaims, cross-claims 
and third-party claims and claims based upon contract, tort, fraud and other intentional 
torts, statute, common law and equity. The term Claim is to be given the broadest possible 
meaning and includes, by way of example and without limitation, any claim, dispute or 
controversy that arises from or relates to (a) the Account created by the Agreement or any 
prior agreement or any balances on the Account, (b) the Card, (c) the EFT services or Ready 
Reserve feature, (d) advertisements, promotions or oral or written statements related to the 
Card, the Account or the terms of financing, and (e) your use of the Card and the Account.

Convenience Check: A check that may be used to access your Account.
Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt 

protection product that may be made available to you for purchase.

Current Billing Cycle: A Billing Cycle that just ended.
Debit Transaction: A transaction made using the Card and your PIN that accesses the funds 

in your Bank Account.
EFT: Electronic funds transfer.
FAA: Federal Arbitration Act.

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Foreign Transaction: A Transaction that occurs or is submitted to us from outside the 

United States or in a foreign currency.

International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or 

in a foreign currency.

MasterCard: MasterCard International.
Minimum Amount Due: The minimum amount you must pay by the Payment Due Date 

shown on the front of your Account Statement.

Monthly Periodic Rate: The periodic rate that applies to certain Credit Transactions 

calculated on a monthly basis.

New Balance: The new balance on your Account shown on the front of your 

Account Statement.

Payment Address: The remittance address indicated on the front of your 

Account Statement.

Payment Due Date: The date shown on the front of your Account Statement by which we 

must receive payment for the Billing Cycle.

PIN: Personal identification number.
POS: Point of sale.
Purchase: A purchase or lease of goods or services made with your Card or your Account.
Ready Reserve: A feature of your Account whereby you may use your Account to cover 
overdrafts on a checking account for which you have requested and been approved for 
Ready Reserve.

Transaction: Any transaction made using your Card or Account, including any Credit 

Transaction and any Debit Transaction.

U.S.: United States.
WSJ Prime Rate: The highest prime rate published in the “Money Rates” section of the 

online version of The Wall Street Journal.

USE OF YOUR CARD
You may use your Card in two ways: (1) as a credit card to make purchases at participating 
merchants and establishments where the Card is honored and to obtain Cash Advances (including 
advances to cover overdrafts using Ready Reserve), and (2) as a debit card with a PIN at ATMs 
and participating merchants and establishments where the Card is honored to access funds in 
your Bank Account.  A signature-based debit transaction is not available using the Card.  Any 
transaction made using the Card and your signature will be a Credit Transaction. Any Transaction 
made by telephone or online where you have not entered your PIN will be a Credit Transaction.
The portion of this Agreement entitled “Credit Card Services” governs your use of your Card 
as a credit card. The portion of this Agreement entitled “EFT Services” governs your use of the 
Card with a PIN as a debit card accessing the funds in your Bank Account.

CREDIT CARD SERVICES

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT

1. Credit Transactions, Purchases and Cash Advances. 
You may use your Card and your Account to make a Purchase or obtain a Cash Advance by 
presenting your Card or your Account number to participating merchants and establishments 
where the Card is honored.  We will also treat as a Cash Advance any transaction using Ready 
Reserve.  You may also use your Card to transfer balances from other creditors, to make other 
transactions by means of balance transfer coupons or checks, or for any other transactions that 
we encourage you to make through an introductory or promotional offer, in accordance with 
the additional terms and conditions that we may offer from time to time. Unless we tell you 
otherwise, we will also treat any such balance transfer or other transaction as a Purchase.
You agree that any debt incurred using your Card or your Account is valid, regardless of the 
purpose of the Transaction.
Purchases from a merchant that are directly convertible to cash (sometimes called “quasi-cash” 
transactions), such as purchases of casino gaming chips, money orders, wire transfer services, 
travelers cheques or foreign currency, may not be permitted with your Card. You may not use 
your Card or your Account for any illegal transaction or any gambling transaction. We reserve 
the right to decline any such transaction without notice.
Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
dollar amounts of any Transactions, even if you have sufficient available credit. We may also 
terminate or suspend your use of your Account and Card and access to your Account without 
notice unless prohibited by Applicable Law.

2. Credit Limit.
We may establish an Account credit limit. You agree not to let the sum of all Credit Transactions 
posted to your Account, plus any finance charges, fees and other charges provided for in this 
Agreement, exceed your Account credit limit as communicated to you from time to time. Your 
initial Account credit limit will be disclosed in the document that accompanies your Card. Your 
Account Statement may also show that only part of your Account credit limit may be used for 
Cash Advances. Cash Advances, including Convenience Checks and Ready Reserve transactions, 
are charged against your Cash Advance credit limit. Unless we inform you otherwise, your Cash 
Advance credit limit will be up to 50% of your total Account credit limit.
We may refuse to authorize or accept any Transaction on your Account or Card that would cause 
you to exceed your Available Credit Limit. If we, in our sole discretion, decide to authorize or 
accept a Transaction on your Account or Card that would exceed your Available Credit Limit, 
we will not be liable to you if we do. Subject to Applicable Law, we may charge to and deduct 
from your Account the amount of the Transaction and other related fees provided for in this 
Agreement. We may also request that you immediately repay us the 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 to access your Account. We 
will treat any Convenience Check issued to you that we pay as a Cash Advance (except for 
a Convenience Check issued to you as part of a promotional offer which, unless we tell you 
otherwise, will be treated as a Purchase), and we will deduct the amount of the Convenience 
Check from your Cash Advance credit limit. Each Convenience Check must be denominated in 
U.S. dollars and completed and signed by you in the same manner as a personal check. If we 
provide you with Convenience Checks for your Account, you may not use them to pay any amount 
you owe on your Account. You may not request, and we will not honor, a stop payment on any 
Convenience Check. We reserve the right to return any Convenience Check unpaid if (a) the 
amount of the Convenience Check exceeds your Cash Advance credit limit; (b) your Account is not 
in good standing or you are otherwise in default of this Agreement; (c) your Card or Convenience 
Checks have been reported lost or stolen or your Account may have been subject to unauthorized 
use; (d) you use a Convenience Check to pay any amount you owe on your Account; or (e) for 
any other reason. We will not be liable if we choose to return any Convenience Check unpaid.

LOST CARDS, UNAUTHORIZED USE OF 
ACCOUNT OR CARD AND OTHER CONCERNS

4. 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 at: Fifth Third Bank, MD 1MOC2G, 38 Fountain 
Square Plaza, Cincinnati, Ohio 45263 or call us at: 1-800-782-0279. We may still require you 
to provide notice in writing.
YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD OF 
YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft or 
possible unauthorized use of your Account or Card, we may require you to provide us information 
in writing or other assistance to help us find out what happened. We may also require you 
to comply with certain procedures in connection with our investigation. Unless prohibited by 
Applicable Law, we will deem any such use as having been authorized by you, and you will 
be liable for the amount of any Transactions plus finance charges and fees and other charges 
incurred with any such use, if you fail to provide us with any such information or assistance or 
to comply with such procedures. Unauthorized Card or Account use does not include use of your 
Card or your Account by any person you have authorized to use your Card or Account.

5. Limitation of Your Liability for Unauthorized Use of Your Account 
You will not be liable for any unauthorized use of your Account that occurs after you notify us. 
You may, however, be liable for unauthorized use that occurs before your notice to us. In any 
case, your liability for unauthorized use of your Account will not exceed $50. 
Under MasterCard’s zero liability policy, you will have no liability for unauthorized purchases 
made using your Card and Account provided the following preconditions are met: (a) your 
Account is in good standing, (b) you have exercised reasonable care in safeguarding your 
Card from any unauthorized use (unauthorized use means that you did not provide, directly, 
by implication or otherwise, the right to use your Card and you received no benefit from the 
unauthorized purchase); and (c) you have not reported two or more unauthorized events in the 
past 12 months.  MasterCard’s zero liability policy does not apply if a PIN for a debit transaction 
is used for the unauthorized purchase and does not apply to MasterCard-branded cards issued 
for commercial, business or agricultural purposes, except for MasterCard commercial cards 
used for small businesses as listed on www.mastercardbusiness.com. MasterCard’s policies are 
subject to change. Visit MasterCard’s Zero Liability link at www.mastercard.com/zeroliability.

6. Third-Party Claims or Defenses. 
We are not responsible if a third party refuses to accept or honor your Card or Account, even 
if you have sufficient available credit. Except as required by Applicable Law, we will not be 
responsible for any claim or defense you may have against any third party that arises out of or 
in connection with any Transaction with your Account or Card or any services or goods or other 
property purchased or leased using your Account or Card.

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PAYING YOUR BILLS

7. Periodic Account Statements. 
Except as otherwise stated in this Agreement, we will send you an Account Statement. Unless 
you make other arrangements with us, your Account Statement will be mailed to you by 
regular mail to your address as it appears on our records. We will send your Account Statement 
for each Billing Cycle at the end of which your Account has a debit or credit balance in excess 
of $1.00 or on which a finance charge has been imposed. Generally, you will receive 12 
Account Statements each year your Account is open.
We will not send your Account Statement if (a) we deem your Account uncollectible,  
(b) delinquency collection proceedings have been instituted, or (c) for any other reason 
permitted by Applicable Law.

8. 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 Statement on a 
monthly basis, which will be the greatest of (a) 2% of the New Balance, (b) 0.5% of the New 
Balance plus total billed finance charges and any fees, or (c) $35.00. Any New Balance less 
than $35 is payable in full. The Minimum Amount Due shown on your Account Statement will 
also include any amount past due and any amount by which your Account exceeds its credit 
limit.  You agree to make all payments by check or other negotiable instrument drawn on a 
U.S. branch of a financial institution located in the U.S. or by money order. Payments must be 
denominated in U.S. dollars.
All payments submitted by mail, except disputed payments, must be mailed or delivered to us 
at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on any Business 
Day will be credited on the next Business Day. Credit to your Account may be delayed for up to 
5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. dollars 
drawn on a U.S. branch of a financial institution located in the U.S. or by money order, or (c) 
not accompanied by the top portion of your Account Statement. Delayed crediting may cause 
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 
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.
Although we may post payments as of the date we receive them, your Available Credit Limit 
may not be restored for up to 7 days after we receive your payment. If the Minimum Amount 
Due is to be automatically deducted from your checking or savings account with us, you agree 
to have on deposit in that account on the Payment Due Date available funds equal to the 
Minimum Amount Due.  Payments on your Account that exceed the Minimum Amount Due will 
be allocated first to the Account balance with the highest APR, and then to each consecutive 
Account balance bearing the next highest APR, at the time payment is posted to your Account.  
Payments on your Account that do not exceed the Minimum Amount Due will be applied in the 
following order: finance charges, fees, any applicable installment balance minimum amount 
due that is calculated separately from the Minimum Amount Due, the Account balance with the 
lowest APR, then to each consecutive Account balance bearing the next lowest APR at the time 
payment is posted to your Account.
We may, in our sole discretion, offer you the ability to make your payments on an expedited 
basis. When you authorize us to process an expedited payment to your Account, we may 
charge you a fee. The amount of the fee will be disclosed to you at the time of the payment.
We are not responsible if your financial institution dishonors an expedited payment for any 
reason, and we will retain the fee in those circumstances.

9. Prepayment. 
You may pay without penalty any portion of the entire New Balance or 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 
Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement.

DETERMINATION OF FINANCE CHARGES

10. Monthly Periodic Rate. 
We determine the Monthly Periodic Rate by dividing the applicable APR by 12.
11. Minimum Finance Charge. 
If you incur finance charges in any Billing Cycle that total less than $1.00, the finance charge 
that will be charged to your Account is $1.00.

12. APR.
(a) APR for Purchases and Cash Advances. Documents accompanying your Card, which are 
incorporated by reference into this Agreement, disclose the APR for Purchases and Cash 
Advances in effect when your Account is opened. 
(b) Variable APR for Purchases. If the APR for Purchases is a variable rate based on the 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 to the WSJ 
Prime Rate to calculate the APR.) This APR may vary (increase and decrease), but will not 

exceed 29.99% (corresponding Monthly Periodic Rate of 2.4992%). 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 and the Minimum Amount Due will 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. Changes to the Monthly 
Periodic Rate and corresponding APR for Purchases will be applied to your existing Account 
balance and to subsequent Transactions effective as of the first day of the Billing Cycle in which 
we determine the interest rate. If The Wall Street Journal does not publish the prime rate, or if it 
changes the definition of prime rate, we may, at our sole discretion, substitute another index.
(c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic 
Rate and corresponding APR for Purchases and Cash Advances if you are in default of this 
Agreement, or if we, in our sole discretion and from time to time, decide to take such action. 
(Please see the sections of this Agreement entitled “Penalty APR for Payments Late by 60 
Days or More,” “Penalty APR for Other Default,” “Changes to this Agreement” and “Default.”)
(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we 
may offer you an introductory or promotional APR for all or a part of your Transactions. For 
example, we may offer you a promotional APR to encourage specific transactions, such as 
transferring balances from accounts you have with others, or an introductory APR for Purchases 
when you open an Account. The period of time for which the introductory or promotional APR 
applies may be limited. Any introductory or promotional APR offer will be subject to the terms 
of the offer and this Agreement. If applicable, we will disclose information regarding any 
introductory or promotional APRs and the period of time during which they are in effect in the 
document that accompanies your Card or in materials we send you about the offer after you 
obtain your Card. If (i) we receive a Minimum Amount Due after its Payment Due Date; (ii) 
your total outstanding balance exceeds your 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 to us unpaid for any reason, (B) we must 
return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a 
Convenience Check used to access your Account is not honored for any reason, we may adjust 
the APR to the APR then in effect or the penalty APR, as applicable.
(e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 
2.4992%) on all new and outstanding Account balances each time we do not receive at least 
the Minimum Amount Due within 60 days of its Payment Due Date, including when we do not 
receive the Minimum Amount Due because a check, similar instrument or electronic payment 
order that we receive as payment on your Account has been returned to us unpaid for any 
reason, or we must return a check or other instrument because it is not signed or is otherwise 
incomplete. Once you become subject to this penalty APR, we may change your APR for 
outstanding balances back to the respective APRs in effect for your Account (not including any 
promotional APR), but only if you bring your Account current and then, for six (6) consecutive 
Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other 
variable or fixed APR that would otherwise apply to new and outstanding Account balances will 
change to this penalty APR.
(f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase 
the APR to 29.99% (corresponding Monthly Periodic Rate of 2.4992%) on all new 
Transactions on your Account that occur more than 14 days after we send you notice of the 
increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date 
but before 60 days after its Payment Due Date; (ii) your total outstanding balance exceeds 
your 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 to us unpaid for any reason, (B) we must return a check or other instrument 
because it is not signed or is otherwise incomplete, or (C) a Convenience Check used to access 
your Account is not honored for any reason. 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 APR), but only if you bring your Account current (if applicable), and then for six 
(6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due 
Date and do not exceed your Account credit limit. Any other variable or fixed APR that would 
otherwise apply to new Account balances will change to this penalty APR.
13. Balance Subject to Finance Charge and Finance Charges. 
(a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/ 
Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of 
computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash 
Advances for the purpose of computing the average daily balance for Cash Advances. We 
calculate the balances of Purchases that are subject to a finance charge separately, based on 
the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
balance of Cash Advances that is subject to a finance 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 is, Purchases and Cash Advances) during the 
Current Billing Cycle, we take the beginning balance of each type of Transaction each day, add 
any new Transactions of that type, and subtract any payments or credits applied to that type 
of Transaction that day. This gives us the daily balance for that type of Transaction. The daily 

balance for each type of Transaction is considered to be $0 for any day on which those portions 
of your Account have a credit balance. Then, we add all of the daily balances for the Current 
Billing Cycle and divide the total by the number of days in the Current Billing Cycle. This gives 
us an average daily balance of each type of Transaction for your Current Billing Cycle. 
(b) Finance Charges. No finance charges (other than International Transaction Fees) will be 
imposed on Purchases if you pay in full the New Balance shown on the Account Statement 
for your Current Billing Cycle by the Payment Due Date. If you have not done so, a finance 
charge will accrue from the transaction date on Purchases at the applicable APR for Purchases 
until the date payment in full is posted to your Account. A finance charge will be imposed on 
Cash Advances from the Transaction date and included in the average daily balance of Cash 
Advances at the applicable APR for Cash Advances until the date payment in full is posted to 
your Account. There is no grace period or time period within which to pay and avoid a finance 
charge on Cash Advances. The total finance charge for a Billing Cycle is the sum of the finance 
charges for Purchases and Cash Advances. To compute the periodic rate portion of finance 
charges for your Current Billing Cycle, we multiply the average daily balance of each type of 
your Transactions in the Current Billing Cycle by the applicable Monthly Periodic Rates for that 
cycle. Fees for Cash Advances and International Transactions, if any, are added to and included 
in the total finance charges for your Current Billing Cycle.

14. Credit Card Fees.
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a balance transfer fee equal to the greater of $5 or 4% of the total 
dollar amount of the balance you are transferring from another account to your Account. 
Annual Fee. Your Card currently does not have an annual fee.  
Cash Advance Fee. We will assess a finance charge in the form of a Cash Advance fee 
equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
on your Account.
Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
make your required Minimum Amount Due by the Payment Due Date for six consecutive Billing 
Cycles. In any event, the late payment fee will not be greater than your Minimum Amount Due 
for the Billing Cycle for which your payment was late.
International Transaction Fee. There is a finance charge in the form of a transaction 
fee equal to 3% of the U.S. dollar amount of each Foreign Transaction. This fee will be in 
addition to any other applicable transaction fees.
Convenience Check Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a convenience check fee equal to the greater of $5 or 4% of the total 
dollar amount of each convenience check used.
We may institute a standard charge or charges for the issuance, reissuance or use of the Card or 
for the reinstatement of any Card or Account privileges which have been suspended, as well as an 
annual fee and per item fee for each Transaction, and you agree to pay us such charges and fees.

15. Foreign Currency Transactions. 
If a Transaction is made in a foreign currency, we and MasterCard will convert the Transaction 
into a U.S. dollar amount. MasterCard will act in accordance with its operating regulations 
or conversion procedures in effect at the time the Transaction is processed. Currently, its 
regulations and procedures provide that the currency conversion rate used is either: (1) a 
wholesale market rate, or (2) a government-mandated rate in effect one day prior to the 
processing date. The currency conversion rate calculated in this manner that is in effect on the 
processing date may differ from the rate in effect on the transaction date or the posting date.

16. Billing Errors. 
A statement of your right to dispute billing errors appears below.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find a Mistake on Your Statement. If you think there is an error on 
your statement, write to us at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, 
Cincinnati, Ohio 45263.
In your letter, give us the following information:
• Account Information: Your name and Account number.
• Dollar amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill, describe what you believe is 

wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.
• At least 3 Business Days before an automated payment is scheduled, if you want to stop 
payment on the amount you think is wrong.
You must notify us of any potential errors in writing. 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. 

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What Will Happen After We Receive Your Letter.
When we receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We 

will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on that amount.
•  The charge in question may remain on your statement, and we may continue to charge you 

interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the remainder 

of your balance.

•  We can apply any unpaid amount against your credit limit.
After we finish our investigation, one of two things will happen:
•  If we made a mistake: You will not have to pay the amount in question or any interest or 

other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you as delinquent if you do not pay 
the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount 
you question, even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchase. If you are dissatisfied with 
the goods or services that you have purchased with your Card and Account, and you have tried 
in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the Purchase. To use this right, all of the following must be true:
1.  The Purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or if 
we own the company that sold you the goods or services.)

2.  You must have used your Card for the Purchase without the PIN access. Purchases made 

with Cash Advances from an ATM or made using your PIN do not qualify.

3.  You must not yet have fully paid for the Purchase.
 If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
writing at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263.
While we investigate, the same rules apply to the disputed amount as discussed above.
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe us an amount and you do not pay, we may report you as delinquent.

GENERAL PROVISIONS

17. Accepting this Agreement.
This Agreement will be effective on either the date you sign or otherwise submit an application 
for the Account that we approve or the date you use, or someone you authorized uses, the 
Card or the Account, whichever is earlier. You agree that by using the Account or the Card, 
signing a Card application or other Account document or otherwise accepting the Account or the 
Card, you accept the terms and conditions of this Agreement.

18. Promise to Pay.
By using your Card or your Account, you promise to pay us for all Transactions made with your 
Card or on your Account, as well as any fees, finance charges or other charges.
If this is a joint Account, each of you, together and individually, is responsible for all amounts 
owed, even if only one of you uses the Card or Account.

19. Your Responsibility. 
You are responsible for all Transactions and other amounts posted to your Account arising from 
the authorized use of your Account or Card. If you have authorized another person to use 
your Account or Card in any way, we will deem your authorization to include the authorization 
to make Transactions of any kind using your Account or Card and to incur related fees and 
charges. We will also deem your authorization to continue until you revoke it by preventing 
that person from using your Account or Card. We are not responsible for controlling any person 
whom you have asked us to add to your Account or someone you let use your Account or 
Card. You should think carefully before allowing anyone to become an authorized user on your 
Account because you are allowing that person to use the Account as you can. If you wish to 

4

remove that person’s ability to use your Account or Card, you must notify us in writing. This 
notice will not be effective until we receive and have had a reasonable opportunity to act on it.

OUR RIGHTS AND HOW THEY AFFECT YOU

20. Delays in Enforcement. 
We can delay enforcing or not enforce any of our rights under this Agreement without losing 
our right to enforce them in the future. For example, we may accept late payments or 
payments that are marked “payment in full” or with other restrictive endorsements without 
losing any of our rights under this Agreement.

21. Termination. 
Subject to Applicable Law, we may terminate this Agreement or revoke your right to use your 
Account or Card, along with your right to make future Transactions, at any time and for any 
reason without notice to you. You or anyone you authorized to use the Card or Account may 
terminate your Account and use of your Card at any time by calling us at 1-800-972-3030, 
or writing to us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, 
Ohio 45263. Any request to terminate your Account will be effective after we have had a 
reasonable opportunity to act on such request. The termination of this Agreement, whether 
initiated by us or you, will not affect any of your or our rights and obligations under this 
Agreement. If this Agreement is terminated, you must still repay any amounts you owe us, 
even if we allow a Transaction to be completed with your Account or Card after this Agreement 
has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
Account when we ask you to or when this Agreement is terminated. If someone attempts to 
use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
retained when you try to use it when certain other events occur.

22. Default. 
Subject to Applicable Law, your Account will be in default under this Agreement if any one 
of the following occurs: (a) you become generally unable to pay your debts, (b) you die 
or are declared legally incompetent, (c) you use a check or instrument for payment that is 
dishonored, (d) you fail to pay the Minimum Amount Due on or before your Payment Due 
Date, (e) any other creditor tries by legal process to take money of yours in our possession, 
(f) a petition is filed or other proceeding is commenced by or against you under the federal 
bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us 
with any false or misleading information, (h) you breach any of your other obligations under 
this Agreement, (i) you exceed your Account credit limit, (j) you are in default of any other 
credit agreement you have with us or any of our affiliates, or (k) we believe in good faith that 
you may not pay or perform your obligations under this Agreement. The payment of any fee 
charged by us will not cure the default that caused the fee.

23. Our Additional Rights When You Are in Default. 
If your Account is in default under this Agreement, we may, subject to Applicable Law,  
(a) require you to pay any portion of your outstanding Account balance immediately,  
(b) allow you to repay your Account subject to the terms and conditions of this Agreement,  
(c) immediately terminate your Account and cancel all Cards, (d) reduce your Account credit 
limit or otherwise limit your ability to make Transactions as discussed in this Agreement,  
(e) commence a legal proceeding against you to collect all amounts owed in connection 
with this Agreement, or (f) increase the APR for Purchases and Cash Advances. We also may 
charge you court costs and reasonable attorneys’ fees that we actually incur, as permitted 
by Applicable Law, if your Account is sent for collection to an attorney who is not our salaried 
employee. We will not be obligated to honor any attempted use of your Card or your Account 
if your Account is in default, or we have decided to terminate your Account or limit your ability 
to make Transactions as discussed in this Agreement. Except as otherwise provided for in this 
Agreement, 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 full. You 
agree that, subject to Applicable Law, if your Account is in default under this Agreement, 
you will accept calls from us at your home and your place of business regarding collection of 
your Account. You understand and agree that the calls to your home may be automatically 
dialed and a recorded message may be played. You agree such calls will not be considered 
“unsolicited” calls or telemarketing calls for purposes of state or federal law.

24. Reevaluation of Financial Condition and Credit History. 
We may reevaluate your financial condition and investigate any information you provided on 
your Account application at any time. In the course of doing so, we may obtain a current credit 
report and ask you for additional information about your financial condition by completing a 
Personal Financial Statement or such other form that we request from time to time. You give 
us your permission to obtain any information about you that we believe would be beneficial 
to facilitate our determination of your eligibility for the Account and the Card, including credit 
reports from consumer reporting agencies. We may, as a result of any such re-evaluation, deem 
your Account to be in default.

25. Telephone Monitoring and Recording. 
You acknowledge that your telephone calls and other communications you provide to us may 
be monitored and recorded for training and quality control purposes. You agree that we may 
monitor, record, retain and reproduce your telephone calls and any other communications 

you provide to us, regardless of how transmitted to us, as evidence of your authorization to 
act in connection with any Transaction, your Account or other service contemplated by this 
Agreement. We will not be liable for any losses or damages that are incurred as a result 
of these actions. We are not, however, under any obligation to monitor, record, retain or 
reproduce such items, unless required to do so by Applicable Law.

26. Arbitration. 
You and we each agree that any Claim will be arbitrated instead of litigated in court under the 
circumstances and procedures set forth below. Any Claim will be resolved upon the election of 
arbitration by you or us pursuant to this provision and the AAA Rules in effect at the time the 
Claim is filed. (If for any reason the AAA is unable or unwilling or ceases to serve as arbitration 
administrator, another nationally recognized arbitration organization utilizing similar rules and 
procedures will be substituted by us.) With respect to Claims covered by this provision, a party 
who has asserted a Claim in a lawsuit in court may elect arbitration with respect to any Claim 
subsequently asserted in that lawsuit by any other party or parties.
IF ARBITRATION IS CHOSEN BY 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 PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA 
RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR 
MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. 
NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT 
BE AVAILABLE IN ARBITRATION.
The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
visiting the AAA’s Web site at www.adr.org. All Claims must be filed at any AAA office.
There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration 
hearing that you attend will take place in the federal judicial district in which you reside. At 
your written request, we will temporarily advance up to $500 towards the filing, administrative 
and/or hearing fees for any Claim that you may file against us after you have paid an amount 
equivalent to the fee, if any, for filing such a Claim in state or federal court (whichever is less) 
in the judicial district in which you reside. At the conclusion of the arbitration, the arbitrator will 
decide who will ultimately be responsible for paying the filing, administrative and/or hearing 
fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will 
bear the expense of that party’s attorneys’, experts’ and witness fees, regardless of which 
party prevails in the arbitration.
This provision is made pursuant to a transaction involving interstate commerce and will be 
governed by the FAA, 9 U. S. C. §§ 1 et seq., as amended. The arbitrator will apply applicable 
substantive law consistent with the FAA and applicable statutes of limitations and will honor 
claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator 
may be entered in any court having jurisdiction. The arbitrator’s decision will be final and 
binding, except for any right of appeal provided by the FAA and except that, if the amount 
in controversy exceeds $100,000, any party can appeal the award to a three-arbitrator 
panel administered by the AAA, which will reconsider de novo any aspect of the initial award 
requested by the appealing party. The decision of the panel will be by majority vote. The 
costs of such an appeal will be borne by the appealing party regardless of the outcome of the 
appeal.  As solely used in this provision, the terms we and us will for all purposes mean Fifth 
Third Bank, all of its parents, wholly- or majority-owned subsidiaries, affiliates, predecessors, 
successors and assigns, and all of their independent contractors, agents, employees, directors 
and representatives.
This provision will survive termination of your Account, as well as the repayment of all 
outstanding amounts incurred in connection with this Agreement. If any portion of this provision 
is deemed invalid or unenforceable under any law or statute consistent with the FAA, it will not 
invalidate the remaining portions of this arbitration provision or the Agreement. In the event of 
a conflict or inconsistency between the AAA Rules and this arbitration provision, this provision 
will govern.

27. Changes to this Agreement. 
Subject to Applicable Law, we can change this Agreement at any time, regardless of whether 
you have access to your Card or Account, by adding, deleting or modifying any provision 
(including increasing any rate of finance charge, increasing or adding fees or charges (including 
annual fees), changing the method of computing balances subject to finance charge, changing 
your Account credit limit, changing the date upon which finance charges begin to accrue, 
changing the Minimum Amount Due or limiting the number or amount of Transactions on your 
Account). Any such changes will generally be effective immediately unless we are required by 
Applicable Law to provide you with advance written notice of the proposed changes. If this is 
the case, those changes will be effective immediately following the effective date stated in 
the notice. Subject to Applicable Law, any such changes will apply to your outstanding Account 
balance on the effective date of the change and to any future balances created after that date. 
If we give you the right to reject a change (whether because it is required by Applicable Law or 
otherwise), and you do not notify us by the date stated in a notice, or if you notify us but then 
use your Card or Account after the date stated in the notice, you will be deemed to accept all 
changes in the notice and to accept and confirm all terms of your Agreement and all changes in 

5

prior notices we have sent you regardless of whether you have access to your Card or Account. 
If you reject a change that we make, we will close your Account. No change to any term of this 
Agreement will affect your obligation to pay all amounts you owe under this Agreement.

28. Waiver of Rights. 
Except as may be prohibited by Applicable Law, you agree to waive any right you may have 
for us to act promptly in bringing any action(s) against you (known as diligence); to demand 
payments of amounts due (known as presentment); to obtain an official certification of non-
payment (known as protest); and to give notice that amounts due will not be paid (known as 
notice of dishonor or notice of default and non-payment).

29. Change of Address. 
We will rely on the address we have for you in our records for any Account communications 
we send to you unless and until either you or the U.S. Postal Service notifies us of a change of 
address and we have had a reasonable opportunity to act on such notice. If your Account is a 
joint Account, each of you appoints the other as your agent to designate the address to which 
any and all Account communications, including the Account Statement, may be sent to you.

30. Correspondence. 
To the extent permitted by Applicable Law, any communication you send to us will not 
be effective until we receive it and have had a reasonable opportunity to act on it. Any 
communication we send to you will, however, be effective and deemed delivered when mailed 
to you at your address as it appears on our records.

31. Assignment. 
You may not sell, assign or transfer your Account or Card or any of your rights and obligations 
under this Agreement. We may, however, sell, assign or transfer your Account, or any balance 
due thereunder, and our rights and obligations under this Agreement to another entity without 
your consent and without prior notice. That entity will take our place in this Agreement.

32. Severability. 
If any provision of this Agreement is deemed to be void or unenforceable by a court of 
competent jurisdiction, or any governmental agency, that provision will continue to be 
enforceable to the extent permitted by that court or agency, and the remainder of that 
provision will no longer be considered as part of this Agreement. All other provisions of this 
Agreement will, however, remain in full force and effect.

33. Governing Law. 
This Agreement is entered into between you and us in the State of Ohio, and your Card, 
Account and this Agreement, and any claim, dispute or controversy arising from or relating 
to your Card, Account or this Agreement, whether based in contract, tort, fraud or otherwise 
and regardless of the place where you live, is governed by, and construed in accordance 
with, the laws of the State of Ohio, without regard to Ohio’s conflict of laws principles, and 
applicable federal laws and regulations. The legality, enforceability and interpretation of this 
Agreement and the amounts contracted for under this Agreement also are governed by Ohio 
law and applicable provisions of federal law, and all amounts granted under this Agreement are 
extended from the State of Ohio.

34. Entire Agreement. 
You acknowledge that this Agreement, as amended from time to time, and the documents 
accompanying your Card, 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 Card and Account. Neither you nor we intend that 
anything in this Agreement should result in the assessment of fees or charges in excess of 
those permitted by Applicable Law. If any fee or charge assessed under this Agreement is 
finally determined to be in excess of that permitted by Applicable Law, the excess amount 
will be applied to reduce the outstanding balance in your Account or, if there is no outstanding 
balance, will be refunded to you. You agree that any documentation provided to you that 
indicates that a Transaction was made shall be admissible as evidence of such Transaction and 
shall be proof that such transaction or transfer was made.

35. Questions. 
If you have any questions about this Agreement or your Card or Account, please contact  
us at 1-800-972-3030.

36. Section Headings. 
The Section headings used in this Agreement are only meant to organize this Agreement,  
and do not in any way limit or define your or our rights or obligations hereunder.

READY RESERVE 

37. Ready Reserve. 
If you have applied and been approved for the Ready Reserve feature of your Account, you can 
authorize automatic transfers from your Account into any checking account for which you have 
requested and been approved for Ready Reserve, in order to cover an overdraft on such account 
and any applicable service charge. If you overdraw such a checking account with us on any 
day, we may charge your Account for a Cash Advance in an amount equal to the overdrawn 
amount or $50, whichever is greater, in order to eliminate the overdraft, together with any 
applicable fees and service charges.

EFT SERVICES

HOW TO ACCESS YOUR BANK ACCOUNT USING YOUR CARD

38. Use of Card for EFT Services. 
You may use your Card as an ATM or debit card by entering your PIN to access the funds in 
your Bank Account.  Debit Transactions initiated with your Card and your PIN will appear on the 
statement we send you for your Bank Account (while Credit Transactions will appear on your 
Account Statement).
If you use your Card with your PIN, the following additional terms and conditions apply and are 
provided to you in accordance with the requirements of federal law.

39. ATM Transaction Charges. 
Your Bank Account, your Account or any other deposit or line of credit account that you are 
accessing may be subject to charges when using an ATM that does not display the Fifth Third 
logo.  Also, when you use an ATM not owned by us, you may be charged a fee by the ATM 
operator or any network used (and you may be charged a fee for a balance inquiry even if you 
do not complete a fund transfer).

40. Types of EFTs.
If you use your Card and your PIN, you may:
(a) withdraw cash from your Bank Account;
(b) obtain a Cash Advance from your Account;
(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 
ATM displaying the Jeanie logo);

(d) transfer funds between your checking, savings, or line of credit accounts;
(e)  pay bills directly from your Bank Account to parties that have been identified and have 
agreed to accept your payments, provided that your Bank Account is a checking account 
and the payment is made in accordance with our procedures; and 

(f)  pay for purchases from your Bank Account at places that have agreed to accept your Card.
You may also be able to use your Card and PIN at certain ATMs to withdraw cash from  
other deposit accounts you have with us. If you use your Card and your PIN to pay for a 
Purchase from a merchant or to withdraw cash from an ATM, you authorize us to debit your 
Bank Account for the total amount of the Transaction as shown on any sales draft or withdrawal 
order originated by use of your Card and PIN. We will handle such sales drafts or withdrawal 
orders in the same way we handle checks and other items drawn on your Bank Account, with 
the exception that you will have no right to stop payment. Some of these services may not 
be available at all terminals, may be limited by third parties and are subject to the limitations 
described in this Agreement and other rules, regulations and agreements that apply to your Bank 
Account or your Card. You may perform other transfers as we expand the types of available 
transfers in the future. We will notify you as to the nature and frequency of those transfers.

41. Limitations on Types and Frequency of Electronic Banking Transfers.
Electronic banking services, including Card Transactions, and payments are subject to the 
following limitations:
(a)  Due to certain state banking laws currently in effect, you may not be able to make deposits 

at certain locations.

(b)  The immediate use of deposited funds is restricted by our rules, regulations and agreements 

governing deposit accounts.

(c)  Cash withdrawals from Fifth Third ATMs or other ATMs may be made only from individual or 

joint personal deposit accounts and not from any other accounts.

(d)  Savings Account Transaction Policies.
           Unlimited Transactions. You may make an unlimited number of payments from your 
savings account(s) to your Fifth Third installment, mortgage or credit card accounts.
           Transfer/Withdrawal Restrictions. You are limited to six of the following transactions 

from your savings accounts each month.

           •  Preauthorized or automatic withdrawals/transfers include, but are not limited to:
                  °   Automatic transfers from your savings account to cover an overdraft.

6

                  °   Internet Banking – transfers of funds or bill payments from your savings account 

to third parties or to other deposit accounts at Fifth Third.

                  °   Preauthorized ACH or electronic transfers.
                  °   Fifth Third Telephone Banking or any money management payments  

from your savings account.
                  °   Point-of-sale transactions with a debit card.
                  °   Checks or drafts payable to third parties.
(e)  Notification of Excessive Transfers and Fee: We will send you notice after the first and second 
month of excessive withdrawals or transfers. After three instances of exceeding the allowable 
number of withdrawals or transfers, your savings account may be closed and funds placed 
in a checking account, or you may be offered other options to eliminate future excessive 
transfers, including but not limited to, removal of the savings account’s transfer and draft 
capabilities. A fee of $5 will be assessed for each preauthorized or automatic withdrawal or 
transfer over six per statement cycle (not applicable to Goal Setter Savings or ETA).
(f)   For security reasons, there are limits on the amount of cash withdrawals from your  

 Bank Account that may be made from Fifth Third ATMs or other ATMs.

(g)  There are limits on the amount of cash you may withdraw or transfer immediately after 

 you make a deposit.

(h)  You may place a stop payment order on a preauthorized EFT from your Account by 

notifying us orally or in writing at least three (3) Business Days before the scheduled date 
of the transfer.

(i)   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 receive a new written authorization from you.

(j)   No deposits or withdrawals may be made to or from a dormant deposit account through 

 Fifth Third ATMs or other ATMs.

(k)  For security reasons, there may be other limits on the number and amount of transactions 

you can make using the Jeanie system.

(l)  The Card carries daily limits on the dollar amount of purchases made with the Card and PIN 
and cash withdrawals you can make. Daily limits are assigned for your protection.  There 
is a $510 daily limit on cash withdrawals at ATMs and a $4000 daily limit on purchases 
made with the Card and PIN. To find more information on your daily limits or to request a 
change to your specific limits, please contact Customer Service at 1-800-972-3030 or visit 
your local Fifth Third Banking Center.  We may in our sole discretion decide not to make 
any change to your specific limits.

(m)  We may adjust these daily limitations on cash withdrawals and purchases made with 

the Card and PIN from time to time and subject to applicable law, based on periodic risk 
assessments or upon request.  Any such changes will generally be effective immediately 
unless we are required by applicable law to provide you with advance written notice of 
the proposed changes.  In such instances, those changes will be effective immediately 
following the effective date stated in the notice.

42. Error Resolution Process. 
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us at 
1-800-972-3030 or write us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, 
Cincinnati, Ohio 45263 as soon as you can if you think your statement or receipt is wrong or 
if you need more information about a transfer listed on the statement or receipt. We must hear 
from you no later than sixty (60) days after we sent the FIRST statement on which the error 
or problem appeared.
(a) Tell us your name and deposit account number (if any).
(b)  Describe the error or the transfer you are unsure about, and explain as clearly as you can 

why you believe it is an error or why you need more information.

(c) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing 
within ten (10) Business Days. We will determine whether an error occurred within ten (10) 
Business Days after we hear from you and will correct any error promptly. If we need more 
time, however, we may take up to forty-five (45) calendar days to investigate your complaint 
or question. If we decide to do this, we will credit your deposit account within ten (10) 
Business Days for the amount you think is in error, so that you will have the use of the money 
during the time it takes us to complete our investigation.  If we ask you to put your complaint 
or question in writing and we do not receive it within ten (10) Business Days, we may not 
credit your deposit account. 
For errors involving new deposit accounts, POS or foreign-initiated transactions, we may take 
up to ninety (90) calendar days to investigate your complaint or question. For new deposit 
accounts, we may take up to twenty (20) Business Days to credit your deposit account for the 
amount that you think is in error.  We will tell you the results within three (3) Business Days 
after completing our investigation.  If we decide that there was no error, we will send you a 
written explanation. You may ask for copies of the documents that we used in our investigation.

50. Services. 
If you use the Card and PIN 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 Account 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.

51. Card Cancellation, Revocation or Limitation. 
Your Card may be cancelled, revoked or limited in its use at any time by us or our agent.

OTHER FEES

52. Card Replacement Fees
Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of 
your Card is expedited.
Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
Card at your request.

43. Debit Card Fees. 
•  ATM Mini Statement ......................................................................................  $1.50 
•  International Point of Sale/ATM Transaction Fee ..................................  3% of transaction 
•  Non-Fifth Third ATM Transaction ...................................................  $2.00 per transaction
You agree that we may charge and deduct from your Bank Account (or any other account that 
you maintain with us primarily for personal, family or household purposes, as necessary) any 
charges associated with or incurred in connection with the use of your Card.
44. Disclosure of Bank Account Information to Third Parties. 
We take our responsibility to protect the confidentiality of your financial information very 
seriously. It is our 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 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.

45. Documentation of Terminal Transfers. 
For transactions of more than $15, you can get a receipt at the time you make any transfer to 
or from your Bank Account using a Fifth Third ATM or any other electronic banking terminal.

46. Your Liability. 
Tell us AT ONCE if you believe your Card or PIN, or both, have been lost, stolen or used (or 
may be used) or that a transfer has been or may be made with your Card or PIN without your 
permission. Telephoning is the best way of keeping your possible losses down. You could lose 
all the money in your Bank Account (plus your savings or credit account if you have a checking 
account with an overdraft protection feature). If you tell us within two (2) Business Days after 
you learn of the loss or theft of your Card or PIN, 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 after you learn of the loss or theft of your 
Card or PIN, 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, including those made by Card, PIN 
or other means, 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.
47. 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.

48. Contacts in the Event of Unauthorized EFTs. 
If you believe that your Card or PIN has been lost or stolen or that someone has made or 
authorized or may authorize a transfer from your Bank Account without your permission,  
you should call us at 1-800-782-0279.

49. 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.

7

FACTS WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?

Rev. 08/12

WHY?

WHAT?

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 
with us. This information can include:
• Social Security number, name, address, email address, income, and assets
• Payment history and account balances
• Credit history and creditworthiness

HOW?

All 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 orders and legal investigations, or 
report to credit bureaus

For our marketing purposes— to offer our products 
and services to you

For joint marketing with other ﬁnancial companies

For our affiliates’ everyday business purposes—
information about your transactions and experiences

For our affiliates’ everyday business purposes—
information about your creditworthiness 

For our affiliates to market to you

For nonaffiliates to market to you

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

No

Yes

Yes

N/A

TO LIMIT
OUR
SHARING

• Call 1-800-889-5269—our menu will prompt you through your choice(s); or
• Write to us at Fifth Third, Customer Service, Privacy Administration, Post Office Box 4444, 
  Cincinnati, OH 45263-4444. 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
personal information?

How does Fifth Third collect my 
personal information?

To protect your personal information from unauthorized access and use, we 
use security measures that comply with federal law. These measures include 
computer safeguards and secured ﬁles and buildings.

We collect your personal information, for example, when you:
• 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 I limit all sharing?

What happens when I limit 
sharing for an account I hold 
jointly with someone else?

DEFINITIONS

Affiliates

Nonaffiliates

Joint marketing

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. 

Your choices will apply to everyone on your account.

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.

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.

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
Privacy Administration
P.O. Box 4444
Cincinnati, OH 45263-4444

Bureau of Consumer Protection, Office of the Nevada Attorney General
555 East Washington Street, Suite 3900
Las Vegas, NV 89101
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 Insurance Agency, Inc.
Fifth Third Mortgage Company
Fifth Third Securities, Inc. Member FINRA/SIPC

Fifth Third Equipment Finance Company
Fifth Third Asset Management, Inc.
Vantiv
SLK Global/BPO Services Pvt. Ltd.

Fifth Third Holdings, LLC
Fifth Third Mortgage—MI, LLC
Fifth Third Auto Leasing Trust
Vista Settlement Services, LLC

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 wholly owned subsidiary of Fifth Third Bank 
and a registered broker-dealer. Securities and investments offered through Fifth Third Securities, Inc. and insurance products:

Are Not FDIC Insured
Are Not Insured By Any Federal Government Agency

Offer No Bank Guarantee

May Lose Value
Are Not A Deposit

Insurance products made available through Fifth Third Insurance Agency, Inc.

08/12

9

DUO Card Fees and Credit Disclosures

Interest Rates and Interest Charges

0% introductory APR for the first 12 Billing Cycles. 
After that, your APR will be 12.99% to 23.99%,
based on your credit worthiness. This APR will vary with the 
market based on the WSJ Prime Rate.

0% introductory APR for the first 12 Billing Cycles.
After that, your APR will be the standard APR for Purchases and 
will be 12.99% to 23.99%, based on your credit worthiness. 
This APR will vary with the market based on the WSJ Prime Rate.

24.99%

29.99%
This APR may be applied to your Account if you:

1) Make a late payment; 
2) Make a payment that is returned; 
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  
will apply until you make six consecutive minimum payments  
when due. If your APRs are increased for other reasons listed 
above, the Penalty APR will apply for an indefinite period of time. 

Your due date is at least 21 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay 
your entire balance by the due date each month.

If you are charged interest, the charge will be no less than $1.00.

Annual  
Percentage  
Rate (APR)  
for  
Purchases:

APR for 
Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

None

Transaction Fees

•  Balance 
Transfer

•  Cash 

Advance

•  International  
Transaction

Penalty Fees

•  Late  

Payment

Either $5 or 4% of the amount of each transfer, whichever is 
greater.

Either $5 or 4% of the amount of each Cash Advance, 
whichever is greater.

3% of each transaction in U.S. dollars.

Up to $35

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

Loss  of  Introductory  APR:  We  may  end  your  introductory  APR  for  Purchases  and 
Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
make a payment that is returned or use a Convenience Check that is not honored.

The  introductory  APR  for  Purchases  and  Balance  Transfers  is  0%  for  the  first  12  billing 
cycles.  Thereafter,  the  APR  for  Purchases  and  Balance  Transfers  is  12.99%  to  23.99%, 
depending on your credit worthiness. The APR for Cash Advances is 24.99%. The APR for  
Penalty is 29.99%.

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  has  ended  will  be  1.0825%  to  1.9992%,  depending  on  your  credit 
worthiness. The Monthly Periodic Rate for Cash Advances is 2.0825%. The Monthly Periodic 
Rate for Penalty is 2.4992%. 

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
is 9.74% 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.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 11/08/2012 and 
is subject to change thereafter. 

The WSJ Prime Rate means the prime rate published in the “Money Rates” section of 
the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
corresponding APR for Purchases will be applied to your existing Account balance and to 
subsequent transactions effective the first day of the Billing Cycle in which we determine 
the interest rate. 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 
and the Minimum Amount Due will change and may result in a smaller part of your payment 
being applied to reduce principal.

Explanation  of  Balance  Subject  to  Interest  Charges:  We  figure  the  interest 
charge on your account by applying the periodic rate to the “average daily balance” of your 
account. To get the “average daily balance” we take the beginning balance of your account 
each day, add any new purchases, and subtract any payments or credits. This gives us the 
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. This gives us the “average daily balance.”

10