CARDHOLDER AGREEMENT
     M-112554                         September 1, 2014
    This CARDHOLDER AGREEMENT (�Agreement�) and the Account-Opening  received after 5:00PM CT or on a non-business day (Saturday/Sunday/Holiday) will 
    Disclosure accompanying this Agreement contain the credit and payment terms and  be credited to your Account on the next business day.
    conditions for the credit card (�Card�) issued to you by Fifth Third Bank, Cincinnati, 
                                             3. CREDIT LIMIT.
    OH. It replaces any previous terms provided to you for your Card. Please note that 
                                             Your credit limit is stated on the Card carrier you received with the Card and will be 
    some terms vary depending on the Card type and on the issuing ?nancial institution 
                                             disclosed on your Periodic Statement. The total amount of all Cash Advances on your 
    and those terms are controlled by the Account-Opening Disclosure.  In this Agreement, 
                                             Account may be limited by a cash advance limit, which may be smaller than the total 
    the words �you� and �your� refer to the person or entity that signs the application 
                                             credit limit on your Account. We may increase or decrease your credit limit and/or 
    or on whose behalf the application is signed. The words �we,� �us� and �our� 
                                             cash advance limit anytime, and will provide notice to you if required by applicable 
    refer to Fifth Third Bank and its successors and assigns. 
                                             law. You may contact us if you would like us to consider increasing your credit limit. 
    You will be deemed to have accepted the Card and the terms and conditions of this 
                                             Write us at CARD CENTER, PO BOX 495933, CINCINNATI, OH 
    Agreement if you sign the back of the Card or use the Card.  
                                             45249-5933 or call us at 877-881-6018. We will make that decision based 
    PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AND  on your credit and payment history.
    KEEP THEM FOR FUTURE REFERENCE.
                                             We may permit you to use your Account for more than your credit limit, but we are 
    1. USING YOUR CARD.                      not required to do so. You will still be responsible for paying us the amount over your 
    You may use your Card to obtain goods or services from merchants everywhere it is  credit limit without limiting any of our rights under this Agreement. We may also 
    accepted (each a �Purchase�). You may use your Card only for personal, family or  suspend your Account privileges or cancel your Account as described below.
    household purposes. You may also have outstanding balances owed on other credit 
                                             4. PERIODIC STATEMENT.
    cards transferred to your Card (each a �Balance Transfer�). A transaction fee 
                                             Each month that there is an outstanding balance on your Account, we will send 
    may be assessed on Balance Transfers. If you are assessed a transaction fee, it will 
                                             you a Periodic Statement as of the closing date of your billing cycle. Purchases, 
    be added to other amounts which are subject to an INTEREST CHARGE, as described 
                                             Balance Transfers, Cash Advances, payments, INTEREST CHARGES and other fees and 
    below, in the same manner as Purchases.
                                             charges, and any adjustments or credits posted to your Account since the closing date 
    You may also use your Card to obtain a loan from your Account by presenting it to  of your previous statement will appear on your Periodic Statement. You must pay at 
    any institution that accepts the Card for that purpose or you may use your Card to  least the Minimum Payment Due by the Payment Due Date shown on the statement. 
    make a withdrawal of cash at an automated teller machine (ATM). Each of these  The Payment Due Date is the same day of each month, at least 25 days after the 
    transactions is treated as a �Cash Advance� on your Account. We may in our  closing date of the billing cycle appearing on the Periodic Statement. 
    discretion consider certain transactions to be the equivalent of Cash Advances, and 
                                             Payments and credits will be applied on your Account in the following order: First, 
    we reserve the right to treat them as Cash Advances under this Agreement. Those 
                                             your Minimum Payment Due will be applied at our discretion; Second, any other 
    transactions may include: using the Card or Account to purchase wire transfers, 
                                             amounts you paid will be applied to the Card balance with the highest Interest Rate 
    money orders, money orders that are not issued by a ?nancial institution or are not in 
                                             and then to balances at successively lower rates.
    U.S. currency, traveler�s or convenience checks, casino gaming chips, lottery tickets, 
    off-track betting, wagers at race tracks, and tax payments. A transaction fee may be 
                                             You may view your transactions on your Card periodically at 
    assessed on transactions considered Cash Advances. If you are assessed a transaction 
                                             www.managemycreditcard.com.
    fee or an access fee or surcharge at an ATM to perform a Cash Advance with your 
    Card, these fees will be added to other amounts which are subject to an INTEREST  5. MINIMUM PAYMENT DUE.
    CHARGE, as described below, in the same manner as Cash Advances. You may pay all or any part of your outstanding balance at any time. However, you 
                                             must pay at least the Minimum Payment Due by the Payment Due Date re?ected on 
    We are not responsible if anyone refuses to honor the Card or for any failure 
                                             each Periodic Statement, even if you paid more than the Minimum Payment Due in 
    of  an ATM to process a Cash Advance request. We will have no responsibility for 
                                             any previous month. In all cases, the Minimum Payment Due will be rounded to the 
    merchandise or services purchased with the Card, unless purchased from us. 
                                             next highest whole dollar amount and re?ected as such on each Periodic Statement. 
                                             Any past due amount and/or any amount exceeding your credit limit may be 
    2. PROMISE TO PAY.
                                             included in the Minimum Payment Due.
    In return for our extending credit to you on this Account from time to time, you 
    promise to pay us in U.S. dollars the total amount of all Purchases, Balance Transfers, 
                                             6. INTEREST CHARGES.
    Cash Advances, INTEREST CHARGES, and other fees or charges that may be due 
                                             We will impose an INTEREST CHARGE on each balance within each Account type 
    as shown on your Periodic Statement. If you pay in other than U.S. dollars, except 
                                             (Purchases, including Balance Transfers, and Cash Advances) by applying a Monthly 
    where prohibited by applicable law, we may refuse to accept the payment or we 
                                             Periodic Rate (MPR) to the �Average Daily Balance� (which is shown on 
    may charge your Account the costs to convert your payment to U.S. dollars. Payment 
                                             your Periodic Statement as the �Balance Subject to Interest Rate�) and by assessing 
    by check must be drawn on funds on deposit in the U.S. To the extent permitted 
                                             certain fees which are explained below. We may charge interest at different rates for 
    by applicable law, we can accept late payments, partial payments, or checks and 
                                             our two types of Account transactions: Purchases (including Balance Transfers) and 
    money orders marked �Payment in Full� without losing any of our rights under this 
                                             Cash Advances. The MPR and the Interest Rate, expressed as an Annual Percentage 
    Agreement, and you agree to our reservation of rights under such circumstances. 
                                             Rate (APR), will appear on the Account-Opening Disclosure. 
    Payments received by 5:00PM CT at the address shown on the Periodic Statement 
    on a business day will be credited to your Account on the date received. Payments  PURCHASES AND BALANCE TRANSFERS. An INTEREST CHARGE will be imposed on 
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   Purchases, including current transactions and including Balance Transfers, if you did  7. AUTHORIZATION FOR ELECTRONIC DEBIT. 
   not pay in full the Previous Balance as shown on your current Periodic Statement  When you provide a check for payment, you authorize us to use information from 
   by the Payment Due Date. No INTEREST CHARGE will be imposed on Purchases and  your check to make an electronic fund transfer from your checking account or to 
   Balance Transfers in the next billing cycle if you pay in full the New Balance by the  process the payment as a check transaction.  If we process your check electronically, 
   Payment Due Date as shown on your current Periodic Statement. If imposed, all  funds may be withdrawn from your bank account as soon as the same day we 
   INTEREST CHARGES are computed for current transactions from the date of posting.  receive your check.
   We ?gure the INTEREST CHARGE on the Purchases and Balance Transfers on your 
                                            8. LOST OR STOLEN CARDS. 
   Account by applying the Purchase Interest Rate to the Average Daily Balance of 
                                            If you notice the loss or theft of your Card or a possible unauthorized use of 
   Purchases and Balance Transfers on your Account (including current transactions).
                                            your Card, you should write to us immediately at: CARD CENTER, PO Box 
    CASH ADVANCES. An INTEREST CHARGE is imposed on all Cash Advances, including  495933, Cincinnati, OH 45249-5933 or call us at 877-881-6018. You 
   current transactions, from the posting date of each Cash Advance transaction. There  will not be liable for any unauthorized use that occurs after you notify us. You may, 
   is no grace period for payment of Cash Advances. The INTEREST CHARGE is imposed  however, be liable for unauthorized use that occurs before your notice to us. In any 
   as long as any Cash Advance remains unpaid. We ?gure the INTEREST CHARGE on  case, your liability will not exceed $50.
   the Cash Advances on your Account by applying the Cash Advance Interest Rate 
                                            You may authorize others to use your Account. You promise to pay for all Purchases, 
   to the Average Daily Balance of Cash Advances on your Account (including current 
                                            Balance Transfers and Cash Advances made by anyone you authorize to use your 
   transactions). 
                                            Account with or without a Card, whether or not you notify us that he or she will be 
   AVERAGE DAILY BALANCE. To get the �Average Daily Balance� we take the beginning  using the Account and whether or not he or she exceeds any limits imposed by you 
   balance of your Account type each day, add any new transactions made that day  on his or her use of the Card. If another person has use of your Account and you 
   and any debit adjustments, then subtract any payments or credits. This gives us  want to end that person�s privilege, you must notify us in writing. In order to avoid 
   the daily balance. Then, we add up all the daily balances for the billing cycle and  unauthorized use, you should recover and return to us cut in half, any Card in that 
   divide the total by the number of days in the billing cycle. This gives us the �Average  person�s possession.
   Daily Balance�, including current transactions. We make this calculation separately 
                                            Under Visa�s zero liability policy: you must reasonably demonstrate that you 
   for Purchases (including Balance Transfers) and for Cash Advances. There will be 
                                            exercised reasonable care in safeguarding your Card from risk of loss and theft; your 
   a Minimum INTEREST CHARGE of $.50 in any billing cycle in which the INTEREST 
                                            Card must be in good standing (e.g., not presently or recently overdrawn, and not 
   CHARGE resulting from application of the MPR would be less than $.50. 
                                            presently or recently under suspicion of possible illegal or suspicious use); and we 
   INTEREST RATE. For the ?rst six (6) months after the Card is issued, there may be  cannot have received more than one other report of unauthorized use of your Card in 
   an introductory Interest Rate for Purchases and Balance Transfers as shown on the  the last 12 months. 
   Account-Opening Disclosure. After six (6) months, the Interest Rate for Purchases 
                                            Under MasterCard�s zero liability policy: you must reasonably demonstrate that you 
   and Balance Transfers changes to a ?xed or variable rate as described below and as 
                                            exercised reasonable care in safeguarding your Card from risk of loss and theft; your 
   shown on the Account-Opening Disclosure. There is no introductory Interest Rate for 
                                            Card must be in good standing (e.g., not presently or recently overdrawn, and not 
   Cash Advances. 
                                            presently or recently under suspicion of possible illegal or suspicious use); and we 
   If your Account has a ?xed Interest Rate, it will be shown as such on the Account- cannot have received two or more reports of unauthorized use of your Card in the last 
   Opening Disclosure. If it has a variable Interest Rate, that is determined by adding  12 months. This policy will not apply if a PIN was used as the Cardholder veri?cation 
   a margin to the highest Prime Rate reported in the Money Rates Section of the  method for unauthorized transactions. 
   Midwest Edition of the Wall Street Journal (WSJ) on the date provided on the 
                                            9. DEFAULT. 
   Account-Opening Disclosure. Depending on your Card, these adjustments may be 
                                            We may consider your Account in default if any of the following events occur: (a) 
   monthly or quarterly (January, April, July, and October of each year), semi-annually 
                                            you fail to make a required payment when due or when delinquent as determined 
   or annually. The margins we apply are disclosed in the Account-Opening Disclosure 
                                            by applicable state law; (b) you use this Account or Card in excess of the credit 
   provided to you with your Card. The margins are generally lower for Purchases and 
                                            limit; (c) you make any material representation to induce us to extend credit which 
   Balance Transfers than for Cash Advances.
                                            proves untrue; (d) you breach any of the terms of this Agreement; or (e) your death, 
   If the Prime Rate increases, the MPR and corresponding APR will increase accordingly  incompetence, bankruptcy, insolvency, fraud or misrepresentation. To the extent not 
   on variable rate Cards, or, if the Prime Rate decreases, the MPR and corresponding  prohibited by law, if you are in default, you will pay our collection costs, attorney 
   APR will decrease accordingly. Any such increase or decrease will take effect at  fees, court costs and all other expenses of enforcing our rights under this Agreement. 
   the start of the full Periodic Statement billing cycle during which the rate change  If we determine that an event of default has occurred, we shall have such rights and 
   occurred. Any balance outstanding prior to the current cycle is subject to the rate in  remedies as are available to a creditor under any applicable federal or state law, 
   effect when the interest is calculated. An increase in the APR will result in increased  including but not limited to the right to close your Account, revoke the privileges 
   INTEREST CHARGES. The increase may result in an increase to your Minimum  attaching to any or all cards, accelerate payment and demand the total outstanding 
   Payment Due.                             balance to be paid. We do not have to notify you or demand payment to take these 
                                            actions, unless applicable law requires that we give notice of a right to cure your 
   COMPOUNDING INTEREST. To the extent permitted by applicable state law, on a 
                                            default.
   monthly basis, unpaid INTEREST CHARGES will be compounded and unpaid INTEREST 
   CHARGES and other unpaid charges will be consolidated into your Account balance.  10. AMENDMENTS AND CHANGE IN TERMS. 
   In this way, unpaid INTEREST CHARGES and other unpaid charges from prior billing  We have the right to change the terms of this Agreement from time to time. We have 
   cycles will be subject to and included in, the calculation of the new   the right to apply the new terms to the outstanding balance of your Account as of the 
   INTEREST CHARGES.                        effective date of the change, to the extent permitted by applicable law.  We will give 
                                            you 60 days� advance written notice of changes and the right to reject those changes 
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    as required by applicable law. If we notify you that you have the right to reject a  your Account on your initial application form, premiums will be applied to your account 
    change and you exercise that right, we may require that you return all Cards to us  monthly. We reserve the right to alter the terms and/or carrier for credit life insurance, 
    and we will permit you to repay the outstanding balance of your Account under  subject to any noti?cation required by applicable federal or state law.
    the terms of your Agreement that were in effect when we gave you notice of the 
                                            15. CREDIT INFORMATION.
    change. 
                                            We may investigate your credit record in connection with your application for credit. 
    11. ANNUAL FEE.                         We may examine your credit record in association with any update, renewal, 
    An Annual Fee may be charged to your Account for the privilege of having the Card  extension, change in credit limit, and collection action of the Account. Upon your 
    as shown on the Account-Opening Disclosure. Any such charge would be subject to  request, we will advise you if we obtained a credit report and we will give you the 
    an INTEREST CHARGE in the same manner as Purchases. The Annual Membership  credit bureau�s name and address.
    Fee is payable whether or not you use the Card. 
                                            You agree that we may release information in our records regarding you and your 
    12. SERVICE FEES.                       Account in order to comply with any properly served subpoena or similar request 
    We may charge you a reasonable charge for photocopies and reprints of Account  issued by any state or federal agency or court. Furthermore, we may share our credit 
    and transaction documents which you may request and for other special services as  experience on your Account with credit reporting agencies and other creditors who 
    allowed by law. We may assess a charge not to exceed $20 per hour, or for any  we reasonably believe are doing business with you. You agree that we may provide 
    portion thereof, for research performed on your account per your request, whether  Account information to any third party who we reasonably believe is conducting an 
    performed by us or our service provider. Any such charge would be subject to an  inquiry in accordance with the Federal Fair Credit Reporting Act and/or applicable 
    INTEREST CHARGE in the same manner as Purchases. state law. 
    13. CURRENCY CONVERSION RATE.           If you fail to ful?ll the terms of your credit obligations under this Agreement, you 
    When making Purchases, including Balance Transfers, receiving Cash Advances,  understand that a negative credit report re?ecting on your credit record may be 
    or making payments in foreign currency, the exchange rate will be the rate of the  submitted to a credit reporting agency. If you believe we are inaccurately reporting 
    processing bank on the day it is processed by them, and this exchange rate may  information related to this Account to the credit bureau, you may notify us by writing 
    not necessarily be the same rate quoted to you by the merchant on the date of  to CARD CENTER, PO Box 495933, Cincinnati, OH 45249-5933.
    Purchase. Your Periodic Statement will re?ect the exchange rate applied.
                                            16. CARDHOLDER LIABILTY.
    14. OVER LIMIT, RETURNED CHECK, LATE PAYMENT, AND All persons who use the Card are individually and together responsible for any 
    OTHER FEES.                             outstanding balance. If two or more persons are responsible to pay for any 
    The following fees may be assessed as speci?ed below. The amounts are disclosed  outstanding balance, we may refuse to release any of them from liability until all of 
    in the Account-Opening Disclosure provided to you with your Card. If any such fee is  the unexpired Cards outstanding under the Account have been returned to us and the 
    imposed, the unpaid amount may be subject to an INTEREST CHARGE in the same  outstanding balance has been paid in full. Even though the Card and your Account 
    manner as Purchases.                    are revoked or terminated, you agree that your obligations and our rights under this 
                                            Agreement will remain in effect until all balances on your Account incurred before 
    OVER LIMIT. If we notify you that you have the right to opt-in to have us cover your 
                                            or after revocation or termination are paid in full. You may cancel your Account by 
    transactions that exceed your credit limit and you tell us that you are opting-in in 
                                            notifying us in writing at CARD CENTER, PO Box 495933, Cincinnati, OH 
    accordance with our opt-in instructions, we may charge you an Over Limit fee, if 
                                            45249-5933 and returning every Card to us cut in half. You will still be responsible 
    shown on the Account-Opening Disclosure or a later notice that we give you. You 
                                            to pay any amount you owe us according to the terms of the Agreement.
    owe this fee even if we authorize the transaction which causes your Account to 
    exceed its credit limit. Any Over Limit Fee, and the amount exceeding your credit  17. GOVERNING LAW.
    limit, will be added to your Account balance, and the amount exceeding your credit  Unless otherwise stated, all transactions are ?nal only when accepted by us. 
    limit may be added to the Minimum Payment Due for the current billing cycle. Any  Transactions and this Agreement are and shall be construed as contracts subject 
    Over Limit Fee we charge will only be imposed once per billing cycle and, if your  to applicable federal law and the laws of the state of Ohio, where our main  
    Account remains over the credit limit, once in each of only 2 subsequent billing  of?ce is located.
    cycles, unless you have obtained an additional extension of credit in excess of your 
                                            18. BILLING ERRORS.
    credit limit, in which event, similar fees may be imposed.
                                            You agree to accept Periodic Statements that we mail you as being correct unless you 
    RETURNED CHECK. We will charge you a Returned Check Fee each time you pay us  notify us in writing of alleged errors within the time prescribed by law. Your rights 
    with a check that is returned unpaid. This fee will also apply if a debit transaction  to dispute billing errors are set forth following this Agreement. If you have noti?ed 
    to a deposit account from which you have authorized us in writing to periodically  us that an amount is in dispute in accordance with the procedures that follow this 
    deduct all or a part of an amount you owe us under this Agreement is   Agreement, you need not pay that amount until the dispute is resolved. However, you 
    returned unpaid.                        must pay at least the required Minimum Payment Due unless the entire statement 
                                            balance is in dispute.
    LATE PAYMENT. For any Minimum Payment Due that is not paid by the Payment 
    Due Date shown on your Periodic Statement, or not paid by the end of a grace  19. PREAUTHORIZED PAYMENTS ON ACCOUNT.
    period shown on your Periodic Statement as may be required by applicable law,  When you completed your credit card application with us, you may have authorized 
    you may be charged, and you agree to pay us, a Late Payment Fee, which will be  us to perform pre-authorized transfers from a checking or savings account maintained 
    added to your Account balance. You will not be charged a penalty   by you to make periodic payments to your Account. Your written authorization would 
    INTEREST CHARGE.                        have indicated whether a checking or savings account should be used for making such 
                                            automatic payments. As you authorized, we will generate an automatic payment on 
    OTHER FEES. We may assess a fee if you request a replacement card as shown on 
                                            the payment due date or the Friday before the payment due date if that date is a 
    the Account-Opening Disclosure. If you selected the credit life insurance related to 
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    Saturday or Sunday from the speci?ed account for: (1) the amount of the unpaid billed  � Broadest interpretation. Any questions about whether Claims are
    Minimum Payment Due when your Account cycles; (2) the New Balance as shown  subject to arbitration shall be resolved by interpreting this arbitration provision
    on the applicable Periodic Statement; or (3) the set amount you designated to be  in the broadest way the law will allow it to be enforced. This arbitration
    paid as an automatic payment. Under number 3, you understand that if the Minimum  provision is governed by the Federal Arbitration Act (the �FAA�).
    Payment Due for any billing cycle is greater than the ?xed amount you designated, 
                                               � What about Claims ?led in Small Claims Court? Claims ?led
    the automatic payment amount will be the Minimum Payment Due. You authorize us 
                                                in a small claims court are not subject to arbitration, so long as the matter
    to debit the designated checking or savings account for the Minimum Payment Due 
                                                remains in such court and advances only an individual (non-class,
    amount rather than the ?xed amount under these circumstances. Under number 3, 
                                                non-representative) Claim.
    you also agree that if the designated ?xed payment amount is greater than the New 
    Balance, the automatic payment amount will be New Balance amount rather than the 
                                             How Arbitration Works.
    designated ?xed amount. In any case, you have the right to stop payment of any pre-
    authorized transfer of funds to pay on your Account by notifying us orally or in writing  � How does a party initiate arbitration? The party ?ling arbitration must choose
    at least three (3) business days before the scheduled date of the transfer. We may  one of the following arbitration ?rms and follow its rules and procedures for
    require you to provide written con?rmation of a stop payment order within 14 days  initiating and pursuing arbitration: American Arbitration Association or JAMS.
    of your oral noti?cation. If so, we will inform you of this requirement and the address  Any arbitration hearing that you attend will be held at a place chosen by
    where con?rmation must be sent when you provide us with oral noti?cation of a stop  the arbitration ?rm in the same city as the U.S. District Court closest to your
    payment. Any oral stop payment you provide us ceases to be binding after 14 days if  then current billing address, or at some other place to which you and we
    you fail to provide the required written con?rmation as we may request. The Periodic  agree in writing. You may obtain copies of the current rules of each of the
    Statement concerning your Account constitutes written notice to you of the amount of  two arbitration ?rms and forms and instructions for initiating arbitration by
    funds and date of transfer for each such pre-authorized payment on your Account. contacting them as follows:
    20. ARBITRATION.                             American Arbitration Association 
    PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES  225 North Michigan Avenue, Suite 2527 
    THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION  Chicago, IL 60601-7601 
    REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND  Web site: www.adr.org
    THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN 
    ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR   JAMS 
    JURY. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT  1920 Main Street 
    PROCEDURES.                                 Irvine, CA 92614 
                                                Web site: www.jamsadr.com
    Agreement to Arbitrate. Either you or we may, without the other�s consent, elect 
    mandatory, binding arbitration for any claim, dispute, or controversy between you and  At any time you or we may ask an appropriate court to compel arbitration of 
    us (called �Claims�).                    Claims, or to stay the litigation of Claims pending arbitration, even if such Claims 
                                             are part of a lawsuit, unless a trial has begun or a ?nal judgment has been entered. 
    Claims Covered.                          Even if a party fails to exercise these rights at any particular time, or in connection 
                                             with any particular Claims, that party can still require arbitration at a later time or in 
     � What Claims are subject to arbitration? All Claims relating to your
                                             connection with any other Claims.
       Account, a prior related account, or our relationship are subject to arbitration,
       including Claims regarding the application, enforceability, or interpretation of this � What procedures and law are applicable in arbitration? A single, neutral
       Agreement and this arbitration provision. All Claims are subject to arbitration, arbitrator will resolve Claims. The arbitrator will be either a lawyer with at
       no matter what legal theory they are based on or what remedy (damages, least 10 years experience or a retired or former judge, selected in accordance
       injunctive or declaratory relief) they seek. This includes Claims based on contract, with the rules of the arbitration ?rm. The arbitration will follow procedures
       tort (including intentional tort), fraud, agency, negligence, statutory or regulatory and rules of the arbitration ?rm in effect on the date the arbitration is ?led
       provisions, or any other sources of law; Claims made as counterclaims, cross unless those procedures and rules are inconsistent with this Agreement, in
       claims, third party claims, interpleaders or otherwise; and Claims made which case this Agreement will prevail. Those procedures and rules may limit
       independently or with other claims. A party who initiates a proceeding in court the discovery available to you or us. The arbitrator will take reasonable steps
       may elect arbitration with respect to any Claim advanced in that proceeding by to protect customer account information and other con?dential information
       any other party. Claims and remedies sought as part of a class action, private if requested to do so by you or us. The arbitrator will apply applicable
       attorney general or other representative action are subject to arbitration on an substantive law consistent with the FAA and applicable statutes of limitations,
       individual (non-class, non-representative) basis, and the arbitrator may award will honor claims of privilege recognized at law, and will have the power to
       relief only on an individual (non-class, non-representative) basis. award to a party any damages or other relief provided for under applicable
                                                law. You or we may choose to have a hearing and be represented by counsel.
     � Whose Claims are subject to arbitration? Not only ours and yours, but
                                                The arbitrator will make any award in writing and, if requested by you or
       also Claims made by or against anyone connected with us or you or claiming
                                                us, will provide a brief statement of the reasons for the award. An award in
       through us or you, such as a co-applicant or authorized user of your account, an
                                                arbitration shall determine the rights and obligations between the named
       employee, agent, representative, af?liated company, predecessor or successor,
                                                parties only, and only in respect of the Claims in arbitration, and shall not
       heir, assignee, or trustee in bankruptcy.
                                                have any bearing on the rights and obligations of any other person, or on the
                                                resolution of any other dispute.
     � What time frame applies to Claims subject to arbitration? Claims
       arising in the past, present, or future, including Claims arising before the opening
       of your account, are subject to arbitration.
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      �  Who pays? Whoever ?les the arbitration pays the initial ?ling fee. If we ?le,   (f)  If there is a credit balance on your Account or you make an overpayment 
       we pay; if you ?le, you pay, unless you get a fee waiver under the applicable  which creates a credit balance, we will apply it to future amounts owed. If you 
       rules of the arbitration ?rm. If you have paid the initial ?ling fee and you  ask, we will refund any credit balance greater than $1.00, and in any event 
       prevail, we will reimburse you for that fee. If there is a hearing, we will pay  we will refund any credit balance greater than $1.00 no later than 180 days 
       any fees of the arbitrator and arbitration ?rm for the ?rst day of that hearing.  from the date the credit balance was created; and
       All other fees will be allocated as provided by the rules of the arbitration ?rm 
                                              (g)  If you move, you agree to notify us of your new address in writing. Otherwise, 
       and applicable law. However, we will advance or reimburse your fees if the 
                                                we may send monthly Periodic Statements and other notices to you at the 
       arbitration ?rm or arbitrator determines there is good reason for requiring us 
                                                address shown for you in our ?les
       to do so, or if you ask us and we determine there is good reason for doing 
       so. Each party will bear the expense of that party�s attorneys, experts, and 
                                             Information contained in this Agreement is current as of the printing date shown, 
       witnesses, and other expenses, regardless of which party prevails, but a party 
                                             and is subject to change. You may write to us at CARD CENTER, PO Box 
       may recover any or all expenses from another party if the arbitrator, applying 
                                             495933, Cincinnati, OH 45249-5933 for changes since this document was 
       applicable law, so determines.
                                             printed.
      �  Who can be a party? Claims must be brought in the name of an  
                                             YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE
       individual person or entity and must proceed on an individual (non-class, 
       non-representative) basis. The arbitrator will not award relief for or against  This notice tells you about your rights and our responsibilities under the Fair Credit 
       anyone who is not a party. If you or we require arbitration of a Claim, neither  Billing Act.
       you, we, nor any other person may pursue the Claim in arbitration as a class 
       action, private attorney general action or other representative action, nor may  What To Do If You Find a Mistake on Your Statement. If you think there 
       such Claim be pursued on your or our behalf in any litigation in any court.  is an error on your statement, write to us at:
       Claims, including assigned Claims, of two or more persons may not be joined 
                                             Card Center 
       or consolidated in the same arbitration. However, applicants, co-applicants, 
                                             PO Box 495933 
       authorized users on a single account and/or related accounts, or corporate 
                                             Cincinnati, OH 45249-5933 
       af?liates are here considered as one person.
                                              
      �  When is an arbitration award ?nal? The arbitrator�s award is ?nal and binding  In your letter, give us the following information:
       on the parties unless a party appeals it in writing to the arbitration ?rm within   �  Account information: Your name and account number.
       ?fteen days of notice of the award. The appeal must request a new arbitration 
                                              �  Dollar amount: The dollar amount of the suspected error.
       before a panel of three neutral arbitrators designated by the same arbitration 
                                              �  Description of problem: If you think there is an error on your bill, describe 
       ?rm. The panel will consider all factual and legal issues anew, follow the same 
                                                what you believe is wrong and why you believe it is a mistake.
       rules that apply to a proceeding using a single arbitrator, and make decisions 
       based on the vote of the majority. Costs will be allocated in the same way they 
                                             You must contact us:
       are allocated for arbitration before a single arbitrator. An award by a panel 
                                               � Within 60 days after the error appeared on your statement.
       is ?nal and binding on the parties after ?fteen days have passed. A ?nal and 
       binding award is subject to judicial review and enforcement as provided by the    �  At least 3 business days before an automated payment is scheduled, if you 
       FAA or other applicable law.             want to stop payment on the amount you think is wrong.
                                             You must notify us of any potential errors in writing. You may call us, but if you do 
    21.  MISCELLANEOUS.  
                                             we are not required to investigate any potential errors and you may have to pay the 
     (a)  If any provision of the Agreement  is determined to be unlawful or 
                                             amount in question.
       unenforceable for any reason, the remainder of the Agreement will remain 
       enforceable;
                                             What Will Happen After We Receive Your Letter. When we receive your 
                                             letter, we must do two things:
     (b)   We can choose not to exercise or to delay enforcement of our rights without 
       losing any of them;                     1.  Within 30 days of receiving your letter, we must tell you that we received your 
                                                letter. We will also tell you if we have already corrected the error.
     (c)  We may send Account materials (Cards, Periodic Statements and notices) 
                                               2.  Within 90 days of receiving your letter, we must either correct the error or 
       to any person listed on your Account, and that person will be responsible for 
                                                explain to you why we believe the bill is correct.
       delivering those materials to the other person authorized to use your Account. 
       Notice to any one of you will be considered notice to all of you; 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 
     (d)  Cards are issued with an expiration date. We have the right not to renew your 
                                                on that amount.
       Account. Without limiting our rights provided in the section of this Agreement 
       entitled �Default,� we have the right to revoke the privilege attached to    �  The charge in question may remain on your statement, and we may continue 
       any or all cards, cancel the Cards and terminate this Agreement as to future  to charge you interest on that amount.
       Purchases, Balance Transfers or Cash Advances at any time for any reason, 
                                               �  While you do not have to pay the amount in question, you are responsible for 
       unless otherwise prohibited by applicable law. All Cards are our property. You 
                                                the remainder of your balance.
       agree to immediately surrender all Cards to us or our designee upon demand;
                                               �  We can apply any unpaid amount against your credit limit.
     (e)  We may sell, assign or transfer your Account or any portion of it without notice 
                                             After we ?nish our investigation, one of two things will happen:
       to you. You may not sell, assign or transfer your Account without ?rst obtaining 
       our prior written consent;
                                           5
     �  If we made a mistake: You will not have to pay the amount in question or any
      interest or other fees related to that amount.
     �  If we do not believe there was a mistake: You will have to pay the amount
      in question, along with applicable interest and fees. We will send you a
      statement of the amount you owe and the date payment is due. We may then
      report you as delinquent if you do not pay the amount we think you owe.
    If you receive our explanation but still believe your bill is wrong, you must write to us 
    within 10 days telling us that you still refuse to pay. If you do so, we cannot report 
    you as delinquent without also reporting that you are questioning your bill. We must 
    tell you the name of anyone to whom we reported you as delinquent, and we must 
    let those organizations know when the matter has been settled between us.
    If we do not follow all of the rules above, you do not have to pay the ?rst $50 of 
    the amount you question even if your bill is correct.
    Your Rights If You Are Dissatis?ed With Your Credit Card 
    Purchases. If you are dissatis?ed with the goods or services that you have 
    purchased with your credit 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 credit card for the purchase. Purchases made with
      cash advances from an ATM or with a check that accesses your credit card
      account 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 dissatis?ed with the purchase, 
    contact us in writing at:
    Card Center 
    PO Box 495933 
    Cincinnati, OH 45249-5933
    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 an amount and you do not pay, we may report you as delinquent.
                                           6
                                                                             Rev. 08/1 4
    FACTS    WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
    WHY?     Financial companies choose how they share your personal information. Federal law gives consumers 
             the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, 
             and protect your personal information. Please read this notice carefully to understand what we do.
             The types of personal information we collect and share depend on the product or service you have 
    WHAT?
             with us. This information can include:
             � Social Security number, name, address, email address, income, and assets
             � Payment history and account balances
             � Credit history and creditworthiness
    HOW?     All ?nancial companies need to share customers� personal information to run their everyday business. 
             In the section below, we list the reasons ?nancial companies can share their customers� personal 
             information; the reasons Fifth Third chooses to share; and whether you can limit this sharing.
    REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?
    For our everyday business purposes� such as to 
    process your transactions, maintain your account(s),  Yes          No
    respond to court orders and legal investigations, or 
    report to credit bureaus
    For our marketing purposes� to offer our products 
                                                   Yes                 No
    and services to you
    For joint marketing with other ?nancial companies Yes              No
    For our affiliates� everyday business purposes�
                                                   Yes                 No
    information about your transactions and experiences
    For our affiliates� everyday business purposes�
                                                   Yes                 Yes
    information about your creditworthiness 
    For our affiliates to market to you            Yes                 Yes
    For nonaffiliates to market to you             No                  N/A
    TO LIMIT � Call 877-881-6018�our menu will prompt you through your choice(s); or
    OUR     � Write to us at Card Center, Privacy Administration, Post Office Box 495933, Cincinnati, OH 45249-5933.
    SHARING  Requests must include your name, address, telephone number, and Social Security number (or taxpayer
             identification number). Incomplete information will delay or possibly prevent our ability to honor your request.
             Please note: If you are a new customer, we can begin sharing your information 30 days from the date 
             we sent this notice. When you are no longer our customer, we continue to share your information as 
             described in this notice. However, you can contact us at any time to limit our sharing.
    QUESTIONS? Call 877-881-6018 or go to www.managemycreditcard.com.
    WHO WE ARE
    Who is providing this notice? Fifth Third Bank and its affiliates (please see next page for List of Affiliates).
    WHAT WE DO
    How does Fifth Third protect my To protect your personal information from unauthorized access and use, we 
    personal information?     use security measures that comply with federal law. These measures include 
                              computer safeguards and secured ?les and buildings.
    How does Fifth Third collect my  We collect your personal information, for example, when you:
    personal information?     � Open an account or apply for a loan
                              � Pay your bills or make a deposit
                              � Use your credit or debit card
                              We also collect your personal information from others, such as credit bureaus, 
                              affiliates, or other companies. 
                                          7
    Why can�t I limit all sharing? Federal law gives you the right to limit only:
                           � sharing for affiliates� everyday business purposes�information about 
                             your creditworthiness
                           � affiliates from using your information to market to you
                           � sharing for nonaffiliates to market to you
                           State laws and individual companies may give you additional rights to 
                           limit sharing. See below for more information on state laws. 
    What happens when I limit  Your choices will apply to everyone on your account.
    sharing for an account I hold 
    jointly with someone else?
    DEFINITIONS
    Affiliates             Companies related by common ownership or control. They can be 
                           financial and nonfinancial companies.
                           � Our affiliates include companies with a Fifth Third name; financial 
                             companies such as an insurance agency or a leasing company.
    Nonaffiliates          Companies not related by common ownership or control. They can be 
                           financial and nonfinancial companies.
                           � Fifth Third does not share information with nonaffiliates so they can market to you.
    Joint marketing        A formal agreement between nonaffiliated financial companies that together 
                           market financial products or services to you.
                           � Our joint marketing partners include but may not be limited to insurance 
                             companies.
     OTHER IMPORTANT INFORMATION
     Nevada law requires that we provide you with the following contact information: 
     Card Center           Bureau of Consumer Protection, Office of the Nevada Attorney General
     Privacy Administration 555 East Washington Street, Suite 3900
     P.O. Box 495933       Las Vegas, NV 89101
     Cincinnati, OH 45249-5933 Phone: (702) 486-3132, Email: BCFINFO@ag.state.nv.us
     CA, ND and VT residents: Accounts with mailing addresses in these states will be treated as if they have selected 
     for us to not share your credit and personal financial information with other Fifth Third companies. For CA and 
     VT residents, accounts with mailing addresses in these states will be treated as if they have selected for us not 
     to share information under a joint marketing agreement as defined above. 
    CUSTOMER IDENTIFICATION PROGRAM
    In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies 
    each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as 
    well as trust, brokerage, insurance, and investment management accounts.
    What This Means To Our Customers
    When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable), 
    and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver�s license or other identifying 
    documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Fifth Third.
    LIST OF AFFILIATES
    Fifth Third Bank, an Ohio Banking Corporation Fifth Third Equipment Finance Company Fifth Third Holdings, LLC
    Fifth Third Insurance Agency, Inc. ClearArc Capital, Inc. Fifth Third Mortgage-Michigan, LLC
    Fifth Third Mortgage Company  Vantiv, Inc. and Vantiv, LLC Fifth Third Auto Leasing Trust
    Fifth Third Securities, Inc. Member FINRA/SIPC SLK Global/BPO Services Pvt. Ltd. Vista Settlement Services, LLC
   Fifth Third 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                M-112554
    Are Not Insured By Any Federal Government Agency Are Not A Deposit
                                                                                08/14
   Insurance products made available through Fifth Third Insurance Agency, Inc.
                                           8
    Visa Classic/MasterCard Standard 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 6 months. (including new purchases).�
    Percentage 
    Rate (APR)  After that, your APR will be 9.20%,
                                              The introductory APR for Purchases and Balance Transfers is 0% for 6 months. Thereafter, 
    for      This APR will vary with the market based on the WSJ Prime Rate.
                                              Purchases and Balance Transfers will be subject to the APR for Purchases and will be 9.20%. 
    Purchases:
                                              The APR for Cash Advances is 15.20%. 
    APR for  0% introductory APR for 6 months. After that,  
    Balance  your APR will be 9.20%.          The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
    Transfers: This APR will vary with the market based on the WSJ Prime Rate. The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period has 
                                              ended will be 0.7667%. The Monthly Periodic Rate for Cash Advances is 1.2667%. 
    APR for Cash  15.20%
    Advances This APR will vary with the market based on the WSJ Prime Rate. The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
                                              will be 5.95%. Your margins are the portions of your interest rates added to the Index value 
    How to   Your due date is at least 25 days after the close of each Billing 
                                              (WSJ Prime Rate) used to determine your APRs.  
    Avoid Paying  Cycle. We will not charge you interest on Purchases and Balance 
    Interest on  Transfers if you pay your entire balance by the due date each 
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 9/1/2014 and is 
    Purchases month. We will begin charging interest on cash advances on the 
                                              subject to change thereafter. 
             posting date.
                                              The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Minimum  If you are charged interest, the charge will be no less than $0.50.
                                              online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
    Interest 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
    Charge
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
                                              effective the ?rst day of the Billing Cycle in which we determine the interest rate. Any increase 
   FEES                                       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 
    Annual Fees                               and may result in a smaller part of your payment being applied to reduce principal.
    � Annual Fee $15
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
    Penalty Fees                              on your account by applying the periodic rate to the �average daily balance� of your account. 
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    � Late   Up to $15                        add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
    Payment
                                              Then, we add up all the daily balances for the billing cycle and divide the total by the number 
    � Returned                                of days in the billing cycle. This gives us the �average daily balance.�
             Up to $15
    Payment
                                           9
          Visa 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 6 months. (including new purchases).�
    Percentage 
    Rate (APR)  After that, your APR will be 10.20%,
                                              The introductory APR for Purchases and Balance Transfers is 0% for 6 months. Thereafter, 
    for      This APR will vary with the market based on the WSJ Prime Rate.
                                              Purchases and Balance Transfers will be subject to the APR for Purchases and will be 10.20%. 
    Purchases:
                                              The APR for Cash Advances is 15.20%. 
    APR for  0% introductory APR for 6 months. After that,  
    Balance  your APR will be 10.20%.         The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
    Transfers: This APR will vary with the market based on the WSJ Prime Rate. The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period has 
                                              ended will be 0.8500%. The Monthly Periodic Rate for Cash Advances is 1.2667%. 
    APR for Cash  15.20%
    Advances This APR will vary with the market based on the WSJ Prime Rate. The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
                                              will be 6.95%. Your margins are the portions of your interest rates added to the Index value 
    How to   Your due date is at least 25 days after the close of each Billing 
                                              (WSJ Prime Rate) used to determine your APRs.  
    Avoid Paying  Cycle. We will not charge you interest on Purchases and Balance 
    Interest on  Transfers if you pay your entire balance by the due date each 
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 9/1/2014 and is 
    Purchases month. We will begin charging interest on cash advances on the 
                                              subject to change thereafter. 
             posting date.
                                              The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Minimum  If you are charged interest, the charge will be no less than $0.50.
                                              online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
    Interest 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
    Charge
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
                                              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
   FEES
                                              Rate and the APR, and as a result, the ?nance charge and the Minimum Amount Due will change 
    Annual Fees                               and may result in a smaller part of your payment being applied to reduce principal.
    � Annual Fee $20
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
    Penalty Fees                              on your account by applying the periodic rate to the �average daily balance� of your account. 
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    � Late   Up to $15                        add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
    Payment                                   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.�
    � Returned Up to $15
    Payment
                                          10
         MasterCard Gold 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 6 months. (including new purchases).�
    Percentage 
    Rate (APR)  After that, your APR will be 11.20%,
                                              The introductory APR for Purchases and Balance Transfers is 0% for 6 months. Thereafter, 
    for      This APR will vary with the market based on the WSJ Prime Rate.
                                              Purchases and Balance Transfers will be subject to the APR for Purchases and will be 11.20%. 
    Purchases:
                                              The APR for Cash Advances is 15.20%.
    APR for  0% introductory APR for 6 months. After that,  
    Balance  your APR will be 11.20%.         The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
    Transfers: This APR will vary with the market based on the WSJ Prime Rate. The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period has 
                                              ended will be 0.9333%. The Monthly Periodic Rate for Cash Advances is 1.2667%. 
    APR for Cash  15.20%
    Advances This APR will vary with the market based on the WSJ Prime Rate. The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
                                              will be 7.95%. Your margins are the portions of your interest rates added to the Index value 
    How to   Your due date is at least 25 days after the close of each Billing 
                                              (WSJ Prime Rate) used to determine your APRs.  
    Avoid Paying  Cycle. We will not charge you interest on Purchases and Balance 
    Interest on  Transfers if you pay your entire balance by the due date each 
                                              Information contained in this Fifth Third Bank Disclosure is accurate as of 9/1/2014 and is 
    Purchases month. We will begin charging interest on cash advances on the 
                                              subject to change thereafter. 
             posting date.
                                              The WSJ Prime Rate means the prime rate published in the �Money Rates� section of the 
    Minimum  If you are charged interest, the charge will be no less than $0.50.
                                              online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to 
    Interest 
                                              the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR 
    Charge
                                              for Purchases will be applied to your existing Account balance and to subsequent transactions 
                                              effective the ?rst day of the Billing Cycle in which we determine the interest rate. Any increase 
   FEES                                       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 
    Annual Fees                               and may result in a smaller part of your payment being applied to reduce principal.
    � Annual Fee $20
                                              Explanation of Balance Subject to Interest Charges: We ?gure the interest charge 
    Penalty Fees                              on your account by applying the periodic rate to the �average daily balance� of your account. 
                                              To get the �average daily balance� we take the beginning balance of your account each day, 
    � Late   Up to $15                        add any new purchases, and subtract any payments or credits. This gives us the daily balance. 
    Payment
                                              Then, we add up all the daily balances for the billing cycle and divide the total by the number 
    � Returned                                of days in the billing cycle. This gives us the �average daily balance.�
             Up to $15
    Payment
                                          11