FIFTH THIRD BANK CARD AGREEMENT for World EliteTM MasterCard®

 Credit Card

F03-S925-2 -1215

Effective December 29, 2015

This Agreement governs the terms and conditions of your Account. 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 opening an Account and making Transactions, you agree to use this 
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 Card.

Account Statement: The periodic statement we mail to you in connection  

with your Account.

Agreement: This Fifth Third Bank Card Agreement for World Elite MasterCard Credit Card.
Annual Fee: Your Card has an annual fee of $300. The annual fee is waived if you are a 

Fifth Third Private Bank client.  

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 or other card network, and (c) judicial or administrative interpretations  
of any of the foregoing.
APR: Annual percentage rate.
ATM: Automated teller machine.
Bank Account: If you use your Card as an ATM card, your savings or checking account  
that you maintain with us primarily for personal, household or family purposes and 
designate for use with your Card.

Billing Cycle: Time periods we use to manage your Account; each Billing Cycle  

is approximately one month long.

Business Day: Monday through Friday, except Federal Reserve Bank holidays on which  

we are closed.

Card: Unless the context provides otherwise, each World Elite MasterCard credit card that  

we issue on your Account.

Cash Advance: A transaction in which you (a) use your Card to get cash 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; Overdraft Protection, (d) use your Card or your Account number to make a 
person-to-person transfer conducted through the Internet or otherwise; or (e) quasi-cash 
transactions. 

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 Overdraft Protection 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.
Current Billing Cycle: A Billing Cycle that just ended.
EFT: Electronic funds transfer.
FAA: Federal Arbitration Act.

Foreign Transaction: A Transaction that occurs or is submitted to us from outside the  

United States or in a foreign currency.

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 Transactions calculated  

on a monthly basis.

New Balance: The new balance on your Account shown on the front of your  

Account Statement.

Non-Revolving Credit Line: The amount of your credit line over your Revolving  

Credit Line.

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 Overdraft Protection: An optional feature of your Account whereby 
you may link a checking account to your Account to cover overdrafts on the checking 
account.

Revolving Credit Line: The amount of your Account balance that you are permitted  

to pay over time.

Total Amount of Extended Credit: Your Revolving Credit Line and your Non-Revolving 

Credit Line.

Transaction: A Purchase or a Cash Advance.
U.S.: United States.
Visa: Visa International.
WSJ Prime Rate: The highest prime rate published in the “Money Rates” section of the 

online version of The Wall Street Journal.

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT

1. Card Transactions, Purchases and Cash Advances.  
You may use your Account and your Card 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 Overdraft Protection.  

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 Account or your Card 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, lottery tickets, money orders, 
wire transfer services, travelers cheques or foreign currency, may not be permitted with your 
Card.  In the event it is permitted, it will be treated as a Cash Advance.  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.

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2. Credit Limit.
Your Card allows you to pay your Account balance in full each month or pay a portion  
of your Account balance over time. There is no preset spending limit on your Account. No  
preset spending limit does not mean unlimited spending. Your Revolving Credit Line will be 
disclosed in the document that accompanies your Card and on your Account Statements. 

Any New Balance less than $35.00 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.

We will not disclose your Non-Revolving Credit Line; rather, we will evaluate each charge  
that causes your Account balance to exceed your Revolving Credit Line based on a variety  
of factors, including your Account spending and history, your experience with us and other 
creditors and information we obtain from credit bureaus. Subject to Applicable Law, we 
may refuse to authorize or accept any Transaction on your Account or Card at any time 
as described in this Agreement. We may also from time to time and in our sole discretion 
change your Revolving Credit Line, reduce your Revolving Credit Line to $0 and close your 
Account; limit the number or amount of Transactions on your Account based on an evaluation 
of various factors; or refuse or limit your access to your Non-Revolving Credit Line. We will 
promptly notify you in the event we decide to reduce your Revolving Credit Line. 
Your Account Statement may also show that only a portion of your Revolving Credit Line 
may be used for Cash Advances. Cash Advances, including Convenience Checks and Ready 
Reserve Overdraft Protection transactions, are charged against the cash portion of your 
Revolving Credit Line. Unless we inform you otherwise, your Cash Advance credit limit will be 
up to 50% of your Revolving Credit Line.

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.

4. Unauthorized Use. You must notify us immediately and assist us in our investigation 
if your Card is lost or stolen or you believe someone is using your Account or a Card without 
your permission. If you notice the loss or theft of your Card or a possible unauthorized use 
of your Card or Account, you should contact us immediately at 877-833-6197, Monday 
through Friday 7 AM to 8 PM (EST) or Saturday 8:30 AM to 5 PM (EST). Outside of these 
hours, contact us at 800-972-3030.

5. 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.

PAYING YOUR BILLS
6. 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.

7. 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 greater 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. 

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 Revolving Credit  
Line 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. 

8. 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
9. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing  
the applicable APR by 12.

10. 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. 

11. Annual Percentage Rate (APR). 
(a) Purchases and Cash Advances. 
APR for Purchases. Documents accompanying your Card, which are incorporated by 
reference into this Agreement, disclose the APR for Purchases in effect when your Account is 
opened. 
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 

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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.

APR for Cash Advances. The APR for Cash Advances will be 24.99% 
(corresponding Monthly Periodic Rate of 2.0825%).
(b) 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.”)
(c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, 
we may offer you an introductory or promotional APR for all or a part of your Transactions. 
For 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; or (ii) (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. 
(d) 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 non-variable APR that would otherwise apply to new and 
outstanding Account balances will change to this penalty APR.
(e) 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; or (ii) (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, 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 non-variable APR that would otherwise apply to new Account 
balances will change to this penalty APR.

12. Balance Subject to Finance Charge and Finance Charges.
(a) Balance Subject to Finance Charge. We will treat all fees (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 

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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.

13. Fees.
Annual Fee. Your Card has an annual fee of $300. The annual fee is waived if you are a 
Fifth Third Private Bank client. 
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 $5.00 or 4% of 
the total dollar amount of the balance you are transferring from another account to your 
Account.
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. None.
Expedited Card Delivery Fee. None.
Replacement Card Fee. None.
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.

14. 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.

15. 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, contact us at Fifth Third Bank, Attn: Disputes Resolution Department,  
5050 Kingsley Drive, MD: 1MOC2G, Cincinnati, OH 45227. You may also contact us  
at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) and Saturday 8:30 AM  
to 5 PM (EST).

Ensure you give us the following information when contacting us:
•  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 or by phone. If you believe fraud has 
occurred on your account, please call us as soon as possible at 877-833-6197. 
What Will Happen After We Receive Your Dispute. 
When we receive your dispute, we must do two things:
1. Within 30 days of receiving your dispute, we must tell you that we received your dispute.  
We will also tell you if we have already corrected the error.
2. Within 90 days of receiving your dispute, 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 Total Amount of Extended Credit.
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 at 
Fifth Third Bank, Attn: Disputes Resolution Department, 5050 Kingsley Drive, MD 1MOC2G, 
Cincinnati, Ohio 45227, 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 Card Purchase. If you are dissatisfied with the 
goods or services that you have purchased with your Card, 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. Purchases made with Cash Advances 

from 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 you are still dissatisfied with the Purchase, contact us 
in writing at: Fifth Third Bank, Attn: Disputes Resolution Department, 5050 Kingsley Drive, 
MD 1MOC2G, Cincinnati, Ohio 45227. 
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
16. 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 an Account application or other 
Account document or otherwise accepting the Account or the Card, you accept the terms and 
conditions of this Agreement.

17. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
Transactions made on your Account, as well as any fees, finance charges or other charges. If 

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.

18. 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 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
19. 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.

20. 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 866-488-0017, or writing to us at Fifth Third Bank, 5050 Kingsley Drive,  
MD 1MOC2G, Cincinnati, Ohio 45227. 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.

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 
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 are in default of any other credit agreement you 
have with us or any of our affiliates, or (j) 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.

22. 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 Total Amount of Extended Credit 
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 

4

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.

23. Re-evaluation 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, 
(i) increase your credit line; (ii) decrease your credit line; or (iii) deem your Account to be 
in default.

24. Communicating With You: Consent to Contact By Electronic and Other 
Means. To the extent permitted by applicable law, you consent that we may contact you at 
any telephone number that you have given to us, any number that you have called us from 
or any number we have for you in our 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 message. You also agree that we may contact you 
using prerecorded messages or automatic dialers. When we use the words “we” and “us” 
in this paragraph, we are also referring to our affiliates, agents and service providers. If you 
give us an email address, you also consent to our contacting you by email. 

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 
American Arbitration Association (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.

5

This provision is made pursuant to a transaction involving interstate commerce and will 
be governed by the Federal Arbitration Act (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 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 Total Amount of Extended 
Credit, 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 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 prior notices we have sent you, regardless of whether you 
have access to your 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 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 
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 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 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, please  
contact us at 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 OVERDRAFT PROTECTION, ELECTRONIC FUND 
TRANSFER AND ELECTRONIC BANKING SERVICES
37. Ready Reserve Overdraft Protection. You may set up this Account to cover 
overdrafts on your checking Account. If you do, then the terms of this Agreement and the 
Rules and Regulations Applicable to All Fifth Third Bank Consumer and Business Banking 
Accounts and Cards will apply. For purposes of this Agreement, Ready Reserve Overdraft 
Protection transactions will be treated as Cash Advances, subject to the Cash Advance 
APR and will be assessed the Cash Advance Fee described in the Fees Section of this 
agreement. If you enroll in Ready Reserve Overdraft Protection, you may use your credit 
card to withdraw from your checking account at an ATM by entering your PIN and selecting 
withdraw from checking when prompted.

38. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking 
Services. If you use your Card as an ATM card, the terms of this Agreement and your 
checking account agreement titled, Rules and Regulations Applicable to All Fifth Third Bank 
Consumer and Business Banking Accounts and Cards will apply.

Fifth Third Bank, Member FDIC.

6

3.NF-002-PP-0 158
FACTS

Rev. 08/15
WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?

WHY?

WHAT?

HOW?

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 credit scores

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 800-889-5269—our menu will prompt you through your choice(s); 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 800-889-5269 or go to 53.com.

WHO WE ARE

Who is providing this notice?

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, 

7

Why can’t I limit all sharing?

What happens when I limit 
sharing for an account I hold 
jointly with someone else?

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.

DEFINITIONS

Affiliates

Nonaffiliates

Joint marketing

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.

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. 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 Insurance Agency, Inc.
Fifth Third Mortgage Company
Fifth Third Securities, Inc. Member FINRA/SIPC
Fifth Third Mortgage Insurance Reinsurance Co.

Fifth Third Equipment Finance Company
ClearArc Capital, Inc.
Vantiv, Inc. and Vantiv, LLC
SLK Global/BPO Services Pvt. Ltd.

Fifth Third Holdings, LLC
Fifth Third Mortgage-Michigan, LLC
Fifth Third Auto Leasing Trust
Vista Settlement Services, LLC
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:

Are Not FDIC Insured

Offer No Bank Guarantee

May Lose Value

Are Not Insured By Any Federal Government Agency

Are Not A Deposit

Insurance products made available through Fifth Third Insurance Agency, Inc.

8

F03-S925-2 -1215

08/15

 
How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

The  APR  for  Purchases  and  Balance  Transfers  is  9.49%.  The  APR  for  Cash  Advances  is 
24.99%. The APR for Penalty is 29.99%. 

The  Monthly  Periodic  Rate  for  Purchases  and  Balance  Transfers  is  0.7908%.  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  5.99%.  Your  margin  is  the  portion  of  your  interest  rate  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  1/7/2016  
and may have changed after that date. To obtain more recent information, please call us  
at 866-671-5353. 

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.”

Fifth Third Private Bank World Elite MasterCard Fees  
and Credit Disclosures

Interest Rates and Interest Charges

Annual 
Percentage 
Rate (APR) 
for Purchases 
and Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

Transaction Fees

•  Balance Transfer

9.49%. 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.

$300 (Waived for clients of Fifth Third Private Bank).

Either $5 or 4% of the amount of each transfer, whichever  
is greater.

•  Cash Advance

Either $5 or 4% of the amount of each Cash Advance,  
whichever is greater.

•  Convenience Check

Either $5 or 4% of the amount of each check, whichever  
is greater.

•  International  
Transaction

Penalty Fees

•  Late Payment

None

Up to $35

9