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             SELECT CARD ALLIANCE AGREEMENT for MasterCard  and Visa  Premium Product Group
    M-102585                       Effective August 20, 2010
    This Agreement governs the terms and conditions of your Account, which is issued by Fifth  Minimum Amount Due: The minimum amount you must pay by the Payment 
    Third Bank, Cincinnati, OH. You should retain and carefully review this entire Agreement. You  Due Date shown on the front of your Account Statement.
    and we agree as follows:                Daily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a 
                                              daily basis.
    We give this Agreement to our cardholders when they are approved for an Account, or  New Balance: The new balance on your Account shown on the front of your 
    when they request it. By opening an Account and making Transactions, you agree to use  Account Statement.
    this Account only for personal, family or household purposes and to comply with this entire  Payment Address: The remittance address indicated on the front of your 
    Agreement. Unless otherwise speci?ed, the words you, your and yours mean anyone who  Account Statement.
    applied to us for an Account and whose application we have approved, and who uses the  Payment Due Date: The date shown on the front of your Account Statement 
    Account with your permission. The words we, our, us and Fifth Third mean Fifth Third  by which we must receive payment for the Billing Cycle.
    Bank and its successors and assigns.    PIN: Personal identi?cation number.
                                            POS: Point of sale.
    DEFINITIONS                             Purchase: A purchase or lease of goods or services made with your Card or your Account.
                                            Transaction: A Purchase or a Cash Advance.
    AAA: The American Arbitration Association.
                                            U.S.: United States.
    AAA Rules: The AAA Rules and Procedures.
                                            Visa: Visa International.
    Account: Unless the context provides otherwise, your account that you can access 
                                            WSJ Prime Rate: The highest prime rate published in the �Money Rates� section 
      with your Select Card Alliance MasterCard or Visa credit card.
                                              of the online version of The Wall Street Journal.
    Account Statement: The periodic statement we mail to you in connection with 
      your Account.
    Agreement: This Select Card Alliance Agreement for MasterCard and Visa.
                                            HOw TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
    Applicable Law: At any time, any applicable (a) federal, state or local statutes, 
      regulations, licensing requirements, regulatory bulletins or guidance, regulatory  1. Card Transactions, Purchases and Cash Advances. You may use your Account 
      examinations, agreements or orders, (b) rule, regulation, restriction, requirement  and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your 
      or contractual term of Visa, MasterCard or other card network, and (c) judicial or  Account number to participating merchants and establishments  
      administrative interpretations of any of the foregoing. where the Card is honored. 
    APR: Annual percentage rate.
    ATM: Automated teller machine.          You may also use your Card to transfer balances from other creditors, to make other 
    Available Credit Limit: The difference between the balances you owe us and  transactions by means of balance transfer coupons or checks, or for any other transactions 
      your Account credit limit.            that we encourage you to make through an introductory or promotional offer, in accordance 
    Billing Cycle: Time periods we use to manage your Account; each Billing Cycle  with the additional terms and conditions that we may offer from time to time. Unless we tell 
      is approximately one month long.      you otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 
    Business Day: Monday through Friday, excluding holidays.
    Card: Unless the context provides otherwise, each MasterCard and/or VISA card  You agree that any debt incurred using your Account or your Card is valid, regardless  
      that we issue on your Account.        of the purpose of the Transaction.
    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  Purchases from a merchant that are directly convertible to cash (sometimes called �quasi-
      cash-like equivalents (for example, money orders, traveler�s checks or other payment  cash� transactions), such as purchases of casino gaming chips, money orders, wire transfer 
      instruments) from your Account; (c) use a Convenience Check, or (d) use your Card or  services, travelers cheques or foreign currency, may not be permitted with your Card. You may 
      your Account number to make a person-to-person transfer conducted through the Internet  not use your Card or your Account for any illegal transaction or any gambling transaction. We 
      or otherwise.                         reserve the right to decline any such transaction without notice.
    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  Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
      resulting from the Agreement or any prior agreement, including the validity, enforceability  dollar amounts of any Transactions, even if you have suf?cient available credit. We may also 
      or scope of this provision, the Agreement or any prior agreement. Claim includes claims of  terminate or suspend your use of your Account and Card and access to your Account without 
      every kind and nature, including but not limited to initial claims, counterclaims, cross-claims  notice unless prohibited by Applicable Law.
      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  2. Credit Limit. We may establish an Account credit limit. You agree not to let the sum 
      meaning and includes, by way of example and without limitation, any claim, dispute or  of all Transactions posted to your Account, plus any ?nance charges, fees and other charges 
      controversy that arises from or relates to (a) the Account created by the Agreement or any  provided for in this Agreement, exceed your Account credit limit as communicated to you from 
      prior agreement or any balances on the Account, (b) advertisements, promotions or oral  time to time. 
      or written statements related to the Account or the terms of ?nancing, and (c) your use of 
      the Account.                          Your initial Account credit limit will be disclosed in the document that accompanies your Card. 
    Convenience Check: A check that may be used to access your Account. Your Account Statement may also show that only part of your Account credit limit may be 
    Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt  used for Cash Advances. 
      protection product that may be made available to you for purchase.
    Current Billing Cycle: A Billing Cycle that just ended. Cash Advances, including Convenience Checks and Ready Reserve transactions, are charged 
    EFT: Electronic funds transfer.         against your Cash Advance credit limit. Unless we inform you otherwise, your Cash Advance 
    FAA: Federal Arbitration Act.           credit limit will be up to 50% of your total Account credit limit.
    Foreign Transaction: A Transaction that occurs or is submitted to us from outside 
      the United States or in a foreign currency. We may refuse to authorize or accept any Transaction on your Account or Card that would 
    International Transaction Fee: A fee imposed for each Transaction outside of  cause you to exceed your Available Credit Limit. If we, in our sole discretion, decide to 
      the U.S. or in a foreign currency.    authorize or accept a Transaction on your Account or Card that would exceed your Available 
    MasterCard: MasterCard International.   Credit Limit, we will not be liable to you if we do. Subject to Applicable Law, we may charge 
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    to and deduct from your Account the amount of the Transaction and other related fees  PAYING YOUR BILLS
    provided for in this Agreement. We may also request that you immediately repay us the 
                                            7. Periodic Account Statements. Except as otherwise stated in this Agreement, we will 
    amount in excess of your Available Credit Limit, suspend your Account or Card privileges and 
                                            send you an Account Statement. Unless you make other arrangements with us, your Account 
    terminate this Agreement.
                                            Statement will be mailed to you by regular mail to your address as it appears on our records.
    3. Convenience Checks. We may issue Convenience Checks to you, which may be used 
                                            We will send your Account Statement for each Billing Cycle at the end of which your Account 
    to access your Account. We will treat any Convenience Check issued to you that we pay as a 
                                            has a debit or credit balance in excess of $1.00 or on which a ?nance charge has been 
    Cash Advance (except for a Convenience Check issued to you as part of a promotional offer 
                                            imposed. Generally, you will receive 12 Account Statements each year your Account is open. 
    which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the 
                                            We will not send your Account Statement if (a) we deem your Account uncollectible, (b) 
    amount of the Convenience Check from your Cash Advance credit limit. Each Convenience 
                                            delinquency collection proceedings have been instituted, or (c) for any other reason permitted 
    Check must be denominated in U.S. dollars and completed and signed by you in the same 
                                            by Applicable Law. 
    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, 
                                            8. Payments. Your payment is due on or before the Payment Due Date shown on your 
    and we will not honor, a stop payment on any Convenience Check. We reserve the right to 
                                            Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
    return any Convenience Check unpaid if (a) the amount of the Convenience Check exceeds 
                                            Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance, (b) 
    your Cash Advance credit limit; (b) your Account is not in good standing or you are otherwise 
                                            0.5% of the New Balance plus total billed ?nance charges and any fees, or (c) $25.00.  
    in default of this Agreement; (c) your Card or Convenience Checks have been reported 
                                            Any New Balance less than $25.00 is payable in full. The Minimum Amount Due shown on 
    lost or stolen or your Account may have been subject to unauthorized use; (d) you use a 
                                            your Account Statement will also include any amount past due and any amount by which your 
    Convenience Check to pay any amount you owe on your Account; or (e) for any other reason. 
                                            Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
    We will not be liable if we choose to return any Convenience Check unpaid.
                                            instrument drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money 
                                            order. Payments must be denominated in U.S. dollars. 
    LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER 
                                            All payments submitted by mail, except disputed payments, must be mailed or delivered 
    CONCERNS
                                            to us at the Payment Address. Any payments received after 5:00 p.m. Central Time on 
    4. Unauthorized Use of Your Account or Card. If you notice the loss or theft of  any Business Day will be credited on the next Business Day. Credit to your Account may be 
    your Card or a possible unauthorized use of your Card or Account, you should write to us  delayed for up to 5 days if the payment is (a) not received at the Payment Address, (b) not 
    immediately at: Select Card Alliance, P.O. Box 3676, Evansville, IN 47735 or call us at:  made in U.S. dollars drawn on a U.S. branch of a ?nancial institution located in the U.S. or by 
    1-877-881-6018. We may still require you to provide notice in writing.  money order, or (c) not accompanied by the top portion of your Account Statement. Delayed 
                                            crediting may cause you to incur additional fees and ?nance charges. (You understand that 
    YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD  payments submitted by mail may not be made, and may not be deemed received by us, at 
    OF YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft  any location other than the Payment Address.) All credits for payments to your Account are 
    or possible unauthorized use of your Account or Card, we may require you to provide us  subject to ?nal payment by the institution on which the item of payment was drawn. 
    information in writing or other assistance to help us ?nd out what happened. We may also 
    require you to comply with certain procedures in connection with our investigation. Unless  Although we may post payments as of the date we receive them, your Available Credit Limit 
    prohibited by Applicable Law, we will deem any such use as having been authorized by you,  may not be restored for up to 10 days after we receive your payment. Payments on your 
    and you will be liable for the amount of any Transactions plus ?nance charges and fees and  Account that exceed the Minimum Amount Due will be allocated ?rst to the Account balance 
    other charges incurred with any such use, if you fail to provide us with any such information  with the highest APR, and then to each consecutive Account balance bearing the next highest 
    or assistance or to comply with such procedures. Unauthorized Card or Account use does not  APR, at the time payment is posted to your Account. Payments on your Account that do not 
    include use of your Card or your Account by any person you have authorized to use your Card  exceed the Minimum Amount Due will be applied in the following order: ?nance charges, 
    or Account.                             fees, 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.
    5. Limitation of Your Liability. You will not be liable for any unauthorized use that 
    occurs after you notify us. You may, however, be liable for unauthorized use that occurs before  We may, in our sole discretion, offer you the ability to make your payments on an expedited 
    your notice to us. In any case, your liability will not exceed $50. You will have no liability  basis. When you authorize us to process an expedited payment to your Account, we may 
    for unauthorized use of your Card for transactions if (a) you have exercised reasonable care  charge you a fee. The amount of the fee will be disclosed to you at the time of the payment. 
    in safeguarding the Card from risk of loss or theft; (b) you have not reported two or more  We are not responsible if your ?nancial institution dishonors an expedited payment for any 
    incidents of unauthorized use to us in the preceding 12 months; and (c) your Account is in  reason, and we will retain the fee in those circumstances.
    good standing. This section does not apply when a PIN is used as your identi?cation method. 
    Zero liability does not apply to MasterCard-branded cards issued to an entity other than a  9. Prepayment. You may pay without penalty any portion of the entire New Balance or 
    natural person; primarily for business, commercial or agricultural purposes, except small  more than your Minimum Amount Due before the Payment Due Date. You understand that by 
    business �Debit MasterCard BusinessCard�, �MasterCard BusinessCard�, �Debit MasterCard  making a prepayment, the total amount you owe us will be reduced but that you must pay 
    Professional Card� and �MasterCard Professional Card�; outside the U.S. region; or if a PIN  the Minimum Payment Due in successive Billing Cycles as re?ected in your Account Statement.
    is used as the cardholder veri?cation method for the unauthorized transaction(s). Cardholder 
    must meet these three conditions: 1. The cardholder must have exercised reasonable care 
    in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have  DETERMINATION OF FINANCE CHARGES
    reported two or more incidents of unauthorized use within the preceding 12 months; 3. The 
                                            10. Daily Periodic Rate. We determine the Daily Periodic Rate by dividing the applicable 
    account must be in good standing. Visit MasterCard�s Zero Liability link at www.mastercard.
                                            APR by 365. 
    com
                                            11. Minimum Finance Charge. If you incur ?nance charges in any Billing Cycle that 
    6. Third-Party Claims or Defenses. We are not responsible if a third party refuses 
                                            total less than $1.00, the ?nance charge that will be charged to your Account is $1.00.
    to accept or honor your Card or Account, even if you have suf?cient available credit. Except 
    as required by Applicable Law, we will not be responsible for any claim or defense you may 
                                            12. APR.
    have against any third party that arises out of or in connection with any Transaction with your 
                                            (a) Purchases and Cash Advances. Documents accompanying your Card, which are 
    Account or Card or any services or goods or other property purchased or leased using your 
                                            incorporated by reference into this Agreement, disclose the APR for Purchases and  
    Account or Card.
                                            Cash Advances in effect when your Account is opened. 
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    Variable APR for Purchases. If the APR for Purchases is a variable rate based on the  13. Balance Subject to Finance Charge and Finance Charges.
    WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable  (a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/
    margin for those Transactions to the WSJ Prime Rate. (A �margin� is the percentage we add  Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of 
    to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease),  computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash 
    but will not exceed 24.99% (corresponding Daily Periodic Rate of 0.0685%). Any increase  Advances for the purpose of computing the average daily balance for Cash Advances. We 
    or decrease in the WSJ Prime Rate will result in an increase or decrease in your Daily Periodic  calculate the balances of Purchases that are subject to a ?nance charge separately, based on 
    Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will  the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
    change and may result in a smaller part of your payment being applied to reduce principal.  balance of Cash Advances that is subject to a ?nance charge separately, based on the average 
    We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle.  daily balance of those Cash Advances in the Current Billing Cycle. To determine the average 
    Changes to the Daily Periodic Rate and corresponding APR for Purchases will be applied to  daily balance for each type of Transaction (that is, Purchases and Cash Advances) during the 
    your existing Account balance and to subsequent Transactions effective as of the ?rst day of  Current Billing Cycle, we take the beginning balance of each type of Transaction each day, 
    the Billing Cycle in which we determine the interest rate.  If The Wall Street Journal does  add any new Transactions of that type, and subtract any payments or credits applied to that 
    not publish the prime rate, or if it changes the de?nition of prime rate, we may, at our sole  type of Transaction that day. This gives us the daily balance for that type of Transaction. The 
    discretion, substitute another index.   daily balance for each type of Transaction is considered to be $0 for any day on which those 
    (b) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and  portions of your Account have a credit balance. Then, we add all of the daily balances for the 
    corresponding APR for Purchases and Cash Advances if you are in default of this Agreement,  Current Billing Cycle and divide the total by the number of days in the Current Billing Cycle. 
    or if we, in our sole discretion and from time to time, decide to take such action. (Please see  This gives us an average daily balance of each type of Transaction for your Current Billing 
    the sections of this Agreement entitled �Penalty APR for Payments Late by 60 Days or More,�  Cycle.
    �Penalty APR for Other Default,� �Changes to this Agreement� and �Default.�) (b) Finance Charges. No ?nance charges (other than International Transaction Fees) will be 
    (c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we  imposed on Purchases if you pay in full the New Balance shown on the Account Statement 
    may offer you an introductory or promotional APR for all or a part of your Transactions. For  for your Current Billing Cycle by the Payment Due Date. If you have not done so, a ?nance 
    example, we may offer you a promotional APR to encourage speci?c transactions, such as  charge will accrue from the transaction date on Purchases at the applicable APR for Purchases 
    transferring balances from accounts you have with others, or an introductory APR for Purchases  until the date payment in full is posted to your Account.
    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  A ?nance charge will be imposed on Cash Advances from the Transaction date and included in 
    of the offer and this Agreement. If applicable, we will disclose information regarding any  the average daily balance of Cash Advances at the applicable APR for Cash Advances until the 
    introductory or promotional APRs and the period of time during which they are in effect in the  date payment in full is posted to your Account. There is no grace period or time period within 
    document that accompanies your Card or in materials we send you about the offer after you  which to pay and avoid a ?nance charge on Cash Advances.
    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  The total ?nance charge for a Billing Cycle is the sum of the ?nance charges for Purchases and 
    Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used  Cash Advances. To compute the periodic rate portion of ?nance charges for your Current Billing 
    for payment on your Account has been returned to us unpaid for any reason, (B) we must  Cycle, we multiply the average daily balance of each type of your Transactions in the Current 
    return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a  Billing Cycle by the applicable Daily Periodic Rates for that cycle and multiply this number 
    Convenience Check used to access your Account is not honored for any reason, we will, subject  by the number of days in the Current Billing Cycle. Fees for Cash Advances and International 
    to Applicable Law, adjust the APR to the APR then in effect or the penalty APR, as applicable.   Transactions, if any, are added to and included in the total ?nance charges for your Current 
    (d) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we Billing Cycle.
    reserve the right to increase the APR to 24.99% (corresponding Daily Periodic Rate of
    0.0685%) on all new and outstanding Account balances each time we do not receive at least 14. Fees.
    the Minimum Amount Due within 60 days of its Payment Due Date. Once you become subject  Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    to this penalty APR, we may change your APR for outstanding balances back to the respective  charge in the form of a balance transfer fee equal to 4% of the total dollar amount of the 
    APRs in effect for your Account (not including any promotional APR), but only if you bring your  balance you are transferring from another account to your Account. 
    Account current and then, for six (6) consecutive Billing Cycles, you pay at least the Minimum  Annual/Monthly Fee. Certain cards may have an annual or monthly fee. If your Card has 
    Amount Due by the Payment Due Date. Any other variable or ?xed APR that would otherwise  one of these fees, the amount of this fee is disclosed in the application for your Account and 
    apply to new and outstanding Account balances will change to this penalty APR. also will be disclosed in the document that accompanies your Card. This fee is assessed for the 
    (e) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to use of the Account and associated services, and for (i) Annual Fees, will be identi?ed as a fee 
    increase the APR to 24.99% (corresponding Daily Periodic Rate of 0.0685%) on all new on your Account Statement in the ?rst Billing Cycle after you open your Account and annually 
    Transactions on your Account that occur more than 14 days after we send you notice of the thereafter, and (ii) Monthly Fees, will be identi?ed as a fee on your Account Statement each 
    increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date month.
    but before 60 days after its Payment Due Date. Once you become subject to this penalty APR,  Cash Advance Fee. We will assess a ?nance charge in the form of a Cash Advance fee 
    we may change your APR back to the respective APRs in effect for your Account (not including equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
    any promotional APR), but only if you bring your Account current (if applicable), and then for on your Account.
    six (6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
    Due Date. Any other variable or ?xed APR that would otherwise apply to new Account  Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
    balances will change to this penalty APR. 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 ?nance 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.
                                            Expedited Card Delivery Fee. Subject to Applicable Law, we will charge a delivery fee 
                                            of $30 per Account if delivery of your Card is expedited.
                                            Expedited Phone Payment. Subject to Applicable Law, we will assess a fee 
                                            of $9.95 for expedited payments taken over the phone.
                                            Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
                                            Card at your request.
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    Convenience Check Fee. Unless your offer indicates otherwise, we will assess a ?nance  If you receive our explanation but still believe your bill is wrong, you must write to us 
    charge in the form of a convenience check fee equal to 4% of the total dollar amount of  within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
    each convenience check used.            as delinquent without also reporting that you are questioning your bill. We must tell you 
    Documentation Fee. We will provide copies of billing statements, sales drafts and payment  the name of anyone to whom we reported you as delinquent, and we must let those 
    instruments (�Items�) to you upon request. We will impose a fee of $5 for each copy of an  organizations know when the matter has been settled between us. If we do not follow all of 
    Item unless prohibited by Applicable Law. We will not impose any fee if your request is made  the rules above, you do not have to pay the ?rst $50 of the amount you question, even if 
    in connection with notice of a billing error. your bill is correct.
    Other Fees. 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  Your Rights If You Are Dissatis?ed With Your Card Purchase. If you are dissatis?ed with the 
    suspended, as well as an annual fee and per item fee for each Transaction, and you agree to  goods or services that you have purchased with your Card, and you have tried in good faith 
    pay us such charges and fees.           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:
    15. Foreign Currency Transactions. If a Transaction is made in a foreign currency, we  1. The Purchase must have been made in your home state or within 100 miles of your current 
    and MasterCard or Visa, depending on which Card is used, will convert the Transaction into a  mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
    U.S. dollar amount. MasterCard and Visa will act in accordance with their operating regulations  these are necessary if your purchase was based on an advertisement we mailed to you, or 
    or conversion procedures in effect at the time the Transaction is processed. Currently, their  if we own the company that sold you the  
    regulations and procedures provide that the currency conversion rate used is either: (1) a  goods or services.)
    wholesale market rate, or (2) a government-mandated rate in effect one day prior to the  2. You must have used your Card for the Purchase. Purchases made with Cash Advances from 
    processing date. The currency conversion rate calculated in this manner that is in effect on the  an ATM do not qualify.
    processing date may differ from the rate in effect on the transaction date or the posting date. 3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and 
                                              you are still dissatis?ed with the Purchase, contact us in writing at: Select Card Alliance, 
    16. Billing Errors. A statement of your right to dispute billing errors appears below. P.O. Box 3676, Evansville, IN  47735.
    YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE While we investigate, the same rules apply to the disputed amount as discussed above. After 
                                            we ?nish our investigation, we will tell you our decision. At that point, if we think you owe us 
    This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
                                            an amount and you do not pay, we may report you as delinquent.    
    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: 
                                            GENERAL PROVISIONS
    Select Card Alliance, P.O. Box 3676, Evansville, IN  47735
                                            17. Accepting this Agreement. This Agreement will be effective on either the date you 
    In your letter, give us the following information: sign or otherwise submit an application for the Account that we approve or the date you use, 
    �  Account Information: Your name and Account number. or someone you authorized uses, the Card or the Account, whichever is earlier. You agree that 
    �  Dollar amount: The dollar amount of the suspected error. by using the Account or the Card, signing an Account application or other Account document 
    �  Description of Problem: If you think there is an error on your bill, describe what you believe  or otherwise accepting the Account or the Card, you accept the terms and conditions of this 
     is wrong and why you believe it is a mistake. Agreement.
    You must contact us:
    �  Within 60 days after the error appeared on your statement. 18. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
    �  At least 3 Business Days before an automated payment is scheduled, if you want   Transactions made on your Account, as well as any fees, ?nance charges or other charges. If 
     to stop payment on the amount you think is wrong. this is a joint account, each of you, together and individually, is responsible for all amounts 
    You must notify us of any potential errors in writing. You may call us, but if you do, we are not  owed, even if only one of you uses the Account.
    required to investigate any potential errors and you may have to pay the amount in question.
                                            19. Your Responsibility. You are responsible for all Transactions and other amounts 
    What Will Happen After We Receive Your Letter.  posted to your Account arising from the authorized use of your Account or Card. If you 
    When we receive your letter, we must do two things: have authorized another person to use your Account or Card in any way, we will deem 
    1. Within 30 days of receiving your letter, we must tell you that we received your letter. We  your authorization to include the authorization to make Transactions of any kind using your 
     will also tell you if we have already corrected the error. Account or Card and to incur related fees and charges. We will also deem your authorization 
    2. Within 90 days of receiving your letter, we must either correct the error or explain to you  to continue until you revoke it by preventing that person from using your Account or Card. 
     why we believe the bill is correct.    We are not responsible for controlling any person whom you have asked us to add to your 
    While we investigate whether or not there has been an error: Account or someone you let use your Account or Card. You should think carefully before 
    � We cannot try to collect the amount in question, or report you as delinquent on   allowing anyone to become an authorized user on your Account because you are allowing that 
     that amount.                           person to use the Account as you can. If you wish to remove that person�s ability to use your 
    �  The charge in question may remain on your statement, and we may continue to charge you  Account or Card, you must notify us in writing. This notice will not be effective until we receive 
     interest on that amount.               and have had a reasonable opportunity to act on it.
    �  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. OUR RIGHTS AND HOw THEY AFFECT YOU
    After we ?nish our investigation, one of two things will happen:
                                            20. Delays in Enforcement. We can delay enforcing or not enforce any of our rights 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or 
                                            under this Agreement without losing our right to enforce them in the future. For example, 
     other fees related to that amount.
                                            we may accept late payments or payments that are marked �payment in full� or with other 
    �  If we do not believe there was a mistake: You will have to pay the amount in question, 
                                            restrictive endorsements without losing any of our rights under this Agreement.
     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.
                                           4
    21. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke  26. Arbitration. You and we each agree that any Claim will be arbitrated instead of 
    your right to use your Account or Card, along with your right to make future Transactions,  litigated in court under the circumstances and procedures set forth below. Any Claim will be 
    at any time and for any reason without notice to you. You or anyone you authorized to use  resolved upon the election of arbitration by you or us pursuant to this provision and the AAA 
    the Card or Account may terminate your Account and use of your Card at any time by calling  Rules in effect at the time the Claim is ?led. (If for any reason the AAA is unable or unwilling 
    us at 1-877-881-6018, or writing to us at Select Card Alliance, P.O. Box 3676, Evansville,  or ceases to serve as arbitration administrator, another nationally recognized arbitration 
    IN 47735. Any request to terminate your Account will be effective after we have had a  organization utilizing similar rules and procedures will be substituted by us.) With respect to 
    reasonable opportunity to act on such request. The termination of this Agreement, whether  Claims covered by this provision, a party who has asserted a Claim in a lawsuit in court may 
    initiated by us or you, will not affect any of your or our rights and obligations under this  elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other 
    Agreement. If this Agreement is terminated, you must still repay any amounts you owe us,  party or parties. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, 
    even if we allow a Transaction to be completed with your Account or Card after this Agreement  NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE 
    has been terminated. You agree to give to us or to destroy all of the Cards issued on your  A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS 
    Account when we ask you to or when this Agreement is terminated. If someone attempts to  PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE 
    use a Card after this Agreement is terminated, the Card may be retained. A Card also may be  AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM 
    retained when you try to use it when certain other events occur. 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 
    22. Default. Subject to Applicable Law, your Account will be in default under this  COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
    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  The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
    for payment that is dishonored, (d) you fail to pay the Minimum Amount Due on or before  visiting the AAA�s Web site at www.adr.org. All Claims must be ?led at any AAA of?ce.
    your Payment Due Date, (e) any other creditor tries by legal process to take money of yours 
    in our possession, (f) a petition is ?led or other proceeding is commenced by or against you  There will be no authority for any Claims to be arbitrated on a class action basis. Any 
    under the federal bankruptcy act or any other applicable federal or state insolvency laws,  arbitration hearing that you attend will take place in the federal judicial district in which you 
    (g) you provide us with any false or misleading information, (h) you breach any of your  reside. At your written request, we will temporarily advance up to $500 towards the ?ling, 
    other obligations under this Agreement, (i) you exceed your Account credit limit, (j) you are  administrative and/or hearing fees for any Claim that you may ?le against us after you 
    in default of any other credit agreement you have with us or any of our af?liates, or (k) we  have paid an amount equivalent to the fee, if any, for ?ling such a Claim in state or federal 
    believe in good faith that you may not pay or perform your obligations under this Agreement.  court (whichever is less) in the judicial district in which you reside. At the conclusion of the 
    The payment of any fee charged by us will not cure the default that caused the fee. arbitration, the arbitrator will decide who will ultimately be responsible for paying the ?ling, 
                                            administrative and/or hearing fees in connection with the arbitration. Unless inconsistent 
    23. Our Additional Rights when You Are in Default. If your Account is in default  with Applicable Law, each party will bear the expense of that party�s attorneys�, experts� and 
    under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion  witness fees, regardless of which party prevails in the arbitration.
    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  This provision is made pursuant to a transaction involving interstate commerce and will 
    and cancel all Cards, (d) reduce your Account credit limit or otherwise limit your ability to  be governed by the FAA, 9 U. S. C. �� 1 et seq., as amended. The arbitrator will apply 
    make Transactions as discussed in this Agreement, (e) commence a legal proceeding against  applicable substantive law consistent with the FAA and applicable statutes of limitations 
    you to collect all amounts owed in connection with this Agreement, or (f) increase the APR  and will honor claims of privilege recognized at law. Judgment upon the award rendered by 
    for Purchases and Cash Advances. We also may charge you court costs and reasonable  the arbitrator may be entered in any court having jurisdiction. The arbitrator�s decision will 
    attorneys� fees that we actually incur, as permitted by Applicable Law, if your Account is sent  be ?nal and binding, except for any right of appeal provided by the FAA and except that, if 
    for collection to an attorney who is not our salaried employee. We will not be obligated to  the amount in controversy exceeds $100,000, any party can appeal the award to a three-
    honor any attempted use of your Card or your Account if your Account is in default, or we  arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the 
    have decided to terminate your Account or limit your ability to make Transactions as discussed  initial award requested by the appealing party. The decision of the panel will be by majority 
    in this Agreement. Except as otherwise provided for in this Agreement, ?nance charges will  vote. The costs of such an appeal will be borne by the appealing party regardless of the 
    continue to accrue at the APR in effect at the time of default until your total Account balance,  outcome of the appeal.
    including such accrued ?nance 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  As solely used in this provision, the terms we and us will for all purposes mean Fifth Third 
    home and your place of business regarding collection of your Account. You understand and  Bank, all of its parents, wholly- or majority-owned subsidiaries, af?liates, predecessors, 
    agree that the calls to your home may be automatically dialed and a recorded message may  successors and assigns, and all of their independent contractors, agents, employees, directors 
    be played. You agree such calls will not be considered �unsolicited� calls or telemarketing calls  and representatives.
    for purposes of state or federal law.
                                            This provision will survive termination of your Account, as well as the repayment of all 
    24. Reevaluation of Financial Condition and Credit History. We may reevaluate  outstanding amounts incurred in connection with this Agreement. If any portion of this 
    your ?nancial condition and investigate any information you provided on your Account  provision is deemed invalid or unenforceable under any law or statute consistent with the FAA, 
    application at any time. In the course of doing so, we may obtain a current credit report and  it will not invalidate the remaining portions of this arbitration provision or the Agreement. In 
    ask you for additional information about your ?nancial condition by completing a Personal  the event of a con?ict or inconsistency between the AAA Rules and this arbitration provision, 
    Financial Statement or such other form that we request from time to time. You give us  this provision will govern.
    your permission to obtain any information about you that we believe would be bene?cial to 
    facilitate our determination of your eligibility for the Account and the Card, including credit  27. Changes to this Agreement. Subject to Applicable Law, we can change this 
    reports from consumer reporting agencies. We may, as a result of any such re-evaluation,  Agreement at any time, regardless of whether you have access to your Account, by adding, 
    deem your Account to be in default.     deleting or modifying any provision (including increasing any rate of ?nance charge, 
                                            increasing or adding fees or charges (including annual fees), changing the method of 
    25. Telephone Monitoring and Recording. You acknowledge that your telephone  computing balances subject to ?nance charge, changing your Account credit limit, changing 
    calls and other communications you provide to us may be monitored and recorded for training  the date upon which ?nance charges begin to accrue, changing the Minimum Amount Due 
    and quality control purposes. You agree that we may monitor, record, retain and reproduce  or limiting the number or amount of Transactions on your Account). Any such changes will 
    your telephone calls and any other communications you provide to us, regardless of how  generally be effective immediately unless we are required by Applicable Law to provide you 
    transmitted to us, as evidence of your authorization to act in connection with any Transaction,  with advance written notice of the proposed changes. If this is the case, those changes will be 
    your Account or other service contemplated by this Agreement.  We will not be liable for any  effective immediately following the effective date stated in the notice. Subject to Applicable 
    losses or damages that are incurred as a result of these actions. We are not, however, under  Law, any such changes will apply to your outstanding Account balance on the effective date 
    any obligation to monitor, record, retain or reproduce such items, unless required to do so by  of the change and to any future balances created after that date. If we give you the right to 
    Applicable Law.
                                           5
    reject a change (whether because it is required by Applicable Law or otherwise), and  you do  32. Severability. If any provision of this Agreement is deemed to be void or unenforceable 
    not notify us by the date stated in a notice, or if you notify us but then use your Account after  by a court of competent jurisdiction, or any governmental agency, that provision will continue 
    the date stated in the notice, you will be deemed to accept all changes in the notice and to  to be enforceable to the extent permitted by that court or agency, and the remainder of that 
    accept and con?rm all terms of your Agreement and all changes in prior notices we have sent  provision will no longer be considered as part of this Agreement. All other provisions of this 
    you regardless of whether you have access to your Account. If you reject a change that we  Agreement will, however, remain in full force and effect.
    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. 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 
    28. waiver of Rights. Except as may be prohibited by Applicable Law, you agree to  from or relating to your Account or this Agreement, whether based in contract, tort, fraud 
    waive any right you may have for us to act promptly in bringing any action(s) against you  or otherwise and regardless of the place where you live, is governed by, and construed in 
    (known as diligence); to demand payments of amounts due (known as presentment); to  accordance with, the laws of the State of Ohio, without regard to Ohio�s con?ict of laws 
    obtain an of?cial certi?cation of non-payment (known as protest); and to give notice that  principles, and applicable federal laws and regulations. The legality, enforceability and 
    amounts due will not be paid (known as notice of dishonor or notice of default and non- interpretation of this Agreement and the amounts contracted for under this Agreement also are 
    payment).                               governed by Ohio law and applicable provisions of federal law, and all amounts granted under 
                                            this Agreement are extended from the State of Ohio.
    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  34. Entire Agreement. You acknowledge that this Agreement, as amended from 
    Service noti?es us of a change of address and we have had a reasonable opportunity to act on  time to time, and the documents accompanying your Card that apply to your Account, 
    such notice. If your Account is a joint Account, each of you appoints the other as your agent  which are incorporated by reference into this Agreement, make up the entire agreement 
    to designate the address to which any and all Account communications, including the Account  between you and us and supersedes and may not be contradicted by evidence of any prior 
    Statement, may be sent to you.          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 
    30. Correspondence. To the extent permitted by Applicable Law, any communication  Agreement should result in the assessment of fees or charges in excess of those permitted by 
    you send to us will not be effective until we receive it and have had a reasonable opportunity  Applicable Law. If any fee or charge assessed under this Agreement is ?nally determined to be 
    to act on it. Any communication we send to you will, however, be effective and deemed  in excess of that permitted by Applicable Law, the excess amount will be applied to reduce the 
    delivered when mailed to you at your address as it appears on our records. 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 
    31. Assignment. You may not sell, assign or transfer your Account or Card or any of your  was made shall be admissible as evidence of such Transaction and shall be proof that such 
    rights and obligations under this Agreement. We may, however, sell, assign or transfer your  transaction or transfer was made.
    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  35. Rewards Program Terms and Conditions. If you are enrolled in a Rewards 
    in this Agreement.                      program, terms of the program can be found at www.managemyrew.com.
                                            36. Questions. If you have any questions about this Agreement or your Card, 
                                            please contact us at 1-877-881-6018.
                                            37. Section Headings. The Section headings used in this Agreement are only meant 
                                            to organize this Agreement, and do not in any way limit or de?ne your or our rights or 
                                            obligations hereunder.
                                           6
                                                                              Rev. 08/1 1
    FACTS     WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
    WHY?      Financial companies choose how they share your personal information. Federal law gives consumers the right 
              to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your 
              personal information. Please read this notice carefully to understand what we do.
    WHAT?     The types of personal information we collect and share depend on the product or service you have with us. This 
              information can include:
              � Social Security number, name, address, email address, income, and assets
              � Payment history and account balances
              � Credit history and credit worthiness
    HOW?      All ?nancial companies need to share customers� personal information to run their everyday business. In the 
              section below, we list the reasons ?nancial companies can share their customers� personal information; the 
              reasons Fifth Third chooses to share; and whether you can limit this sharing.
    REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?
    For our everyday business purposes� such as to process
    your transactions, maintain your account(s), respond to court Yes  No
    orders and legal investigations, or report to credit bureaus
    For our marketing purposes� to o�er our products and
                                                   Yes                 No
    services to you
    For joint marketing with other ?nancial companies Yes              No
    For our a�liates� everyday business purposes�
                                                   Yes                 No
    information about your transactions and experiences
    For our a�liates� everyday business purposes�
                                                   Yes                 Yes
    information about your creditworthiness
    For our a�liates to market to you              Yes                 Yes
    For nona�liates to market to you               No                  N/A
    TO LIMIT  � Call 1-877-881-6018�our menu will prompt you through your choice(s); or
    OUR       � Write to us at Card Center, Privacy Administration, Post O�ce Box 3676, Evansville, IN 47735.
    SHARING     Requests must include your name, address, telephone number, and Social Security number (or taxpayer 
                identi?cation number). Incomplete information will delay or possibly prevent our ability to honor your request.
              Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this
              notice. When you are no longer our customer, we continue to share your information as described in this notice.
              However, you can contact us at any time to limit our sharing.
    QUESTIONS? Call 1-877-881-6018 or go to www.managemycreditcard.com.
    WHO WE ARE
    Who is providing this notice? Fifth Third Bank and its a�liates (please see next page for List of A�liates).
    WHAT WE DO
    How does Fifth Third protect my  To protect your personal information from unauthorized access and use, we use 
    personal information?     security measures that comply with federal law. These measures include computer 
                              safeguards and secured ?les and buildings.
    How does Fifth Third collect my  We collect your personal information, for example, when you: 
    personal information?     � Open an account or apply for a loan
                              � Pay your bills or make a deposit
                              � Use your credit or debit card
                              We also collect your personal information from others, such as credit bureaus, 
                              a�liates, or other companies. 
                                           7
    Why can�t I limit all sharing? Federal law gives you the right to limit only:
                              � sharing for a�liates� everyday business purposes�information about your creditworthiness
                              � a�liates from using your information to market to you
                              � sharing for nona�liates to market to you
                              State laws and individual companies may give you additional rights to limit sharing. 
                              See below for more information on state laws. 
    What happens when I limit sharing Your choices will apply to everyone on your account.
    for an account I hold jointly with
    someone else?
    DEFINITIONS
    A�liates                  Companies related by common ownership or control. They can be ?nancial and 
                              non?nancial companies.
                              � Our a�liates include companies with a Fifth Third name; ?nancial companies such as an 
                                insurance agency or a leasing company.
    Nona�liates               Companies not related by common ownership or control. They can be ?nancial and 
                              non?nancial companies.
                              � Fifth Third does not share information with nona�liates so they can market to you.
    Joint marketing           A formal agreement between nona�liated ?nancial companies that together market 
                              ?nancial 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: 
    Card Center          Bureau of Consumer Protection, O�ce of the Nevada Attorney General
    Privacy Administration 555 East Washington Street, Suite 3900
    P.O. Box 3676        Las Vegas, NV 89101
    Evansville, IN 47735 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 ?nancial information with other Fifth Third companies. 
    CUSTOMER IDENTIFICATION PROGRAM
    In accordance with the USA PATRIOT Act, Federal law requires all ?nancial institutions to obtain, verify, and record information that identi?es 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 identi?cation number, date of birth (if applicable), and other information that 
    will allow  Fifth Third to identify you. You will also be asked to furnish your driver�s license or other identifying documents. We are required to follow this procedure each 
    time an account is opened, even if you are a current customer of Fifth Third.
    LIST OF AFFILIATES
    Fifth Third Bank, an Ohio Banking Corporation Fifth Third Real Estate Capital Markets, Inc. Fifth Third Holdings, LLC
    Fifth Third Insurance Agency, Inc. The Fifth Third Leasing Company Home Equity of America, Inc.
    Fifth Third Mortgage Company Fifth Third Asset Management, Inc. Fifth Third Mortgage, MI, LLC
    Fifth Third Securities, Inc. Member FINRA/SIPC Vantiv   The Fifth Third Auto Leasing Trust
    Vista Settlement Services, LLC SLK Global BPO Services Pvt. Ltd. Transactive Ecommerce Solutions, Inc. 
    Fifth Third Bank, Member FDIC.
    Important Information About Credit Reporting
    We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may be re?ected in your credit report.
    Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer. Securities and investments o�ered through 
    Fifth Third Securities, Inc.
     Are Not FDIC Insured O�er No Bank Guarantee May Lose Value
     Are Not Insured By Any Federal Government Agency Are Not A Deposit
     Insurance products made available through Fifth Third Insurance Agency, Inc. 08/1 1
                                           8
   Premium Group products are offered to customers of the 
   following ?nancial institutions:
   BancFirst
   Provident Bank 
   Credit Union of New Jersey
   Tech Credit Union
   Homestead Savings Bank
   First Federal Savings Bank
   Home Loan State Bank
   First western
   Home Savings of America
   Itasca Bank & Trust
   Arnold Palmer Hospital
   Old Point National Bank
   Flathead Bank
   Security Bank & Trust
   Security Bank waconia
   Jefferson County FCU
   Rawlins National Bank
   Front Range Bank
   First State Bank
   Security First Bank
   Surrey Bank & Trust
   Columbia Bank
   Pinnacle Bank
   Franklin Federal Savings Bank
   American Bank of Commerce
   National Bank of Commerce
   Hantz Bank
                                           9
     Premium Group Platinum Rewards and Cash Rewards Fees  
               and Credit Disclosures
   Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily balance 
    Annual  
             0% introductory APR for the ?rst 12 Billing Cycles.  (including new purchases).�
    Percentage  
    Rate (APR)   After that, your APR will be 12.99% to 21.99%,
                                             Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
    for      based on your credit worthiness.  This APR will vary with the market 
                                             Transfers and apply the APR in effect or the Penalty APR if you make a late payment.
    Purchases: based on the WSJ Prime Rate.
    APR for  0% introductory APR for the ?rst 12 Billing Cycles. After that,  The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
    Balance  your APR will be the standard APR for Purchases and will be   Thereafter, Purchases and Balance Transfers will be subject to the APR for Purchases and will be 
    Transfers: 12.99% to 21.99%, based on your credit worthiness.  12.99% to 21.99%, based on your credit worthiness. The APR for Cash Advances is 24.99%. 
             This APR will vary with the market based on the WSJ Prime Rate. The APR for Penalty is 24.99%.
    APR for Cash  24.99%                     The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. The 
    Advances                                 Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has ended 
                                             will be 0.0356% to 0.0602%, based on your credit worthiness. The Daily Periodic Rate for Cash 
    Penalty APR  24.99%
                                             Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685% 
    and when it  This APR may be applied to your Account if you make a late  
    Applies  payment.
                                             The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
             How Long will the Penalty APR Apply? If your APRs 
                                             will be 9.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
             are increased because you are 60 days late, the Penalty APR will 
                                             your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  
             apply until you make six consecutive minimum payments when due. 
                                             Information contained in this Fifth Third Bank Disclosure is accurate as of 8/25/11 and is 
    How to   Your due date is at least 26 days after the close of each Billing  subject to change thereafter. 
    Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay 
    Interest on  your entire balance by the due date each month. The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Purchases                                online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
    Minimum  If you are charged interest, the charge will be no less than $1.00.
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
    Interest 
                                              effective the ?rst day of the Billing Cycle in which we determine the interest rate. Any increase 
    Charge
                                              or decrease in the WSJ Prime Rate will result in an increase or decrease in your Daily Periodic
                                              Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will change 
   FEES                                       and may result in a smaller part of your payment being applied to reduce principal.
    Annual Fees
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
                                              on your account by applying the periodic rate to the �average daily balance� of your account. 
    � Annual Fee $0
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    Transaction Fees                          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 
    �  Balance  4% of the amount of each transfer
                                              of days in the billing cycle. This gives us the �average daily balance.�
    Transfer
    �  Cash  Either $5 or 4% of the amount of each Cash Advance, whichever 
    Advance  is greater.
    �  International   3% of each transaction in U.S. dollars.
    Transaction
    Penalty Fees
    �  Late   Up to $35
    Payment
                                          10
      Premium Group Platinum Fees and Credit Disclosures
   Interest Rates and Interest Charges
                                              How we will Calculate Your Balance: We use a method called �average daily balance 
    Annual  
             0% introductory APR for the ?rst 12 Billing Cycles.  (including new purchases).�
    Percentage  
    Rate (APR)   After that, your APR will be 10.99% to 21.99%,
                                             Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
    for      based on your credit worthiness. This APR will vary with the market 
                                             Transfers and apply the APR in effect or the Penalty APR if you make a late payment.
    Purchases: based on the WSJ Prime Rate.
    APR for  0% introductory APR for the ?rst 12 Billing Cycles.  After that,  The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
    Balance  your APR will be the standard APR for Purchases and will be    Thereafter, Purchases and Balance Transfers will be subject to the APR for Purchases and will be 
    Transfers: 10.99% to 21.99%, based on your credit worthiness.  10.99% to 21.99%, based on your credit worthiness. The APR for Cash Advances is 24.99%. 
             This APR will vary with the market based on the WSJ Prime Rate. The APR for Penalty is 24.99%.
    APR for Cash  24.99%                     The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. The 
    Advances                                 Daily Periodic Rate for Purchases and Balance Transfers after the introductory period has ended 
                                             will be 0.0301% to 0.0602%, based on your credit worthiness. The Daily Periodic Rate for Cash 
    Penalty APR  24.99%
                                             Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685% 
    and when it  This APR may be applied to your Account if you make a late  
    Applies  payment.
                                             The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
             How Long will the Penalty APR Apply? If your APRs 
                                             will be 7.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
             are increased because you are 60 days late, the Penalty APR will 
                                             your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  
             apply until you make six consecutive minimum payments when due. 
                                             Information contained in this Fifth Third Bank Disclosure is accurate as of 8/25/11 and is 
    How to   Your due date is at least 26 days after the close of each Billing 
                                             subject to change thereafter. 
    Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  
    Interest on  your entire balance by the due date each month.
                                             The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Purchases
                                             online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
    Minimum  If you are charged interest, the charge will be no less than $1.00. the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
    Interest                                  for Purchases will be applied to your existing Account balance and to subsequent transactions 
    Charge                                    effective the ?rst 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 Daily Periodic
                                              Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will change 
   FEES                                       and may result in a smaller part of your payment being applied to reduce principal.
    Annual Fees
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
                                              on your account by applying the periodic rate to the �average daily balance� of your account. 
    � Annual Fee $0
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    Transaction Fees                          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 
    �  Balance  4% of the amount of each transfer
                                              of days in the billing cycle. This gives us the �average daily balance.�
    Transfer
    �  Cash  Either $5 or 4% of the amount of each Cash Advance, whichever 
    Advance  is greater.
    �  International   3% of each transaction in U.S. dollars.
    Transaction
    Penalty Fees
    �  Late   Up to $35
    Payment
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