M-109663

SELECT CARD ALLIANCE AGREEMENT for MasterCard® and Visa®
Effective March 31, 2014

This Agreement governs the terms and conditions of your Account, which is issued by Fifth 
Third Bank, Cincinnati, OH. You should retain and carefully review this entire Agreement. You 
and we agree as follows:

We give this Agreement to our cardholders when they are approved for an Account, or 
when they request it. By opening an Account and making Transactions, you agree to use 
this Account only for personal, family or household purposes and to comply with this entire 
Agreement. Unless otherwise specified, the words you, your and yours mean anyone who 
applied to us for an Account and whose application we have approved, and who uses the 
Account with your permission. The words we, our, us and Fifth Third mean Fifth Third 
Bank and its successors and assigns.

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

with your Select Card Alliance MasterCard or Visa credit card.

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

your Account.

Agreement: This Select Card Alliance Agreement for MasterCard and Visa.
Applicable Law: At any time, any applicable (a) federal, state or local statutes, 
regulations, licensing requirements, regulatory bulletins or guidance, regulatory 
examinations, agreements or orders, (b) rule, regulation, restriction, requirement 
or contractual term of Visa, MasterCard or other card network, and (c) judicial or 
administrative interpretations of any of the foregoing.

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

your Account credit limit.

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

is approximately one month long.

Business Day: Monday through Friday, excluding holidays.
Card: Unless the context provides otherwise, each MasterCard and/or VISA card  

that we issue on your Account.

Cash Advance: A transaction in which you (a) use your Card to get cash from an ATM; 
(b) present your Card to any bank or other person that accepts the Card to get cash or 
cash-like equivalents (for example, money orders, traveler’s checks or other payment 
instruments) from your Account; (c) use a Convenience Check, or (d) use your Card or 
your Account number to make a person-to-person transfer conducted through the Internet 
or otherwise. 

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

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

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

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

Current Billing Cycle: A Billing Cycle that just ended.
EFT: Electronic funds transfer.
FAA: Federal Arbitration Act.
Foreign Transaction: A Transaction that occurs or is submitted to us from outside  

the United States or in a foreign currency.

International Transaction Fee: A fee imposed for each Transaction outside of  

the U.S. or in a foreign currency.
MasterCard: MasterCard International.
Minimum Amount Due: The minimum amount you must pay by the Payment  

Due Date shown on the front of your Account Statement.

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Daily Periodic Rate: The periodic rate that applies to certain Transactions calculated on a 

daily basis.

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

Account Statement.

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

Account Statement.

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

by which we must receive payment for the Billing Cycle.

PIN: Personal identification number.
POS: Point of sale.
Purchase: A purchase or lease of goods or services made with your Card or your Account.
Transaction: A Purchase or a Cash Advance.
U.S.: United States.
Visa: Visa International.
WSJ Prime Rate: The highest prime rate published in the “Money Rates” section  

of the online version of The Wall Street Journal.

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
1. Card Transactions, Purchases and Cash Advances. You may use your Account 
and your Card to make a Purchase or obtain a Cash Advance by presenting your Card or your 
Account number to participating merchants and establishments where the Card is honored. 

You may also use your Card to transfer balances from other creditors, to make other 
transactions by means of balance transfer coupons or checks, or for any other transactions 
that we encourage you to make through an introductory or promotional offer, in accordance 
with the additional terms and conditions that we may offer from time to time. Unless we tell 
you otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 

You agree that any debt incurred using your Account or your Card is valid, regardless  
of the purpose of the Transaction.

Purchases from a merchant that are directly convertible to cash (sometimes called “quasi-
cash” transactions), such as purchases of casino gaming chips, money orders, wire transfer 
services, travelers cheques or foreign currency, may not be permitted with your Card. You may 
not use your Card or your Account for any illegal transaction or any gambling transaction. We 
reserve the right to decline any such transaction without notice.

Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
dollar amounts of any Transactions, even if you have sufficient available credit. We may also 
terminate or suspend your use of your Account and Card and access to your Account without 
notice unless prohibited by Applicable Law.

2. Credit Limit. We may establish an Account credit limit. You agree not to let the sum 
of all Transactions posted to your Account, plus any finance charges, fees and other charges 
provided for in this Agreement, exceed your Account credit limit as communicated to you from 
time to time. 

Your initial Account credit limit will be disclosed in the document that accompanies your Card. 
Your Account Statement may also show that only part of your Account credit limit may be 
used for Cash Advances. 

Cash Advances, including Convenience Checks and Ready Reserve transactions, are charged 
against your Cash Advance credit limit. Unless we inform you otherwise, your Cash Advance 
credit limit will be up to 50% of your total Account credit limit.

We may refuse to authorize or accept any Transaction on your Account or Card that would 
cause you to exceed your Available Credit Limit. If we, in our sole discretion, decide to 
authorize or accept a Transaction on your Account or Card that would exceed your Available 
Credit Limit, we will not be liable to you if we do. Subject to Applicable Law, we may charge 
to and deduct from your Account the amount of the Transaction and other related fees 
provided for in this Agreement. We may also request that you immediately repay us the 
amount in excess of your Available Credit Limit, suspend your Account or Card privileges and 
terminate this Agreement.

3. Convenience Checks. We may issue Convenience Checks to you, which may be used 
to access your Account. We will treat any Convenience Check issued to you that we pay as a 
Cash Advance (except for a Convenience Check issued to you as part of a promotional offer 
which, unless we tell you otherwise, will be treated as a Purchase), and we will deduct the 
amount of the Convenience Check from your Cash Advance credit limit. Each Convenience 
Check must be denominated in U.S. dollars and completed and signed by you in the same 
manner as a personal check. If we provide you with Convenience Checks for your Account, 
you may not use them to pay any amount you owe on your Account. You may not request, 
and we will not honor, a stop payment on any Convenience Check. We reserve the right to 
return any Convenience Check unpaid if (a) the amount of the Convenience Check exceeds 
your Cash Advance credit limit; (b) your Account is not in good standing or you are otherwise 
in default of this Agreement; (c) your Card or Convenience Checks have been reported 
lost or stolen or your Account may have been subject to unauthorized use; (d) you use a 
Convenience Check to pay any amount you owe on your Account; or (e) for any other reason. 
We will not be liable if we choose to return any Convenience Check unpaid.

LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER 
CONCERNS
4. Unauthorized Use of Your Account or Card. If you notice the loss or theft of 
your Card or a possible unauthorized use of your Card or Account, you should write to us 
immediately at: Select Card Alliance, P.O. Box 495933, Cincinnati, OH 45249-5933 or  
call us at: 1-877-954-0190. We may still require you to provide notice in writing. 

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

5. Limitation of Your Liability. 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 
your notice to us. In any case, your liability will not exceed $50. You will have no liability 
for unauthorized use of your Card for transactions if (a) you have exercised reasonable care 
in safeguarding the Card from risk of loss or theft; (b) you have not reported two or more 
incidents of unauthorized use to us in the preceding 12 months; and (c) your Account is in 
good standing. This section does not apply when a PIN is used as your identification method. 
Zero liability does not apply to MasterCard-branded cards issued to an entity other than a 
natural person; primarily for business, commercial or agricultural purposes, except small 
business “Debit MasterCard BusinessCard”, “MasterCard BusinessCard”, “Debit MasterCard 
Professional Card” and “MasterCard Professional Card”; outside the U.S. region; or if a  
PIN is used as the cardholder verification 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 reported two or more incidents of unauthorized use within the preceding  
12 months; 3. The account must be in good standing. Visit MasterCard’s Zero Liability link  
at www.mastercard.com

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

PAYING YOUR BILLS
7. Periodic Account Statements. Except as otherwise stated in this Agreement, we will 
send you an Account Statement. Unless you make other arrangements with us, your Account 
Statement will be mailed to you by regular mail to your address as it appears on our records.

We will send your Account Statement for each Billing Cycle at the end of which your Account 
has a debit or credit balance in excess of $1.00 or on which a finance charge has been 

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imposed. Generally, you will receive 12 Account Statements each year your Account is open. 
We will not send your Account Statement if (a) we deem your Account uncollectible, (b) 
delinquency collection proceedings have been instituted, or (c) for any other reason permitted 
by Applicable Law. 

8. Payments. Your payment is due on or before the Payment Due Date shown on your 
Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance, (b) 
0.5% of the New Balance plus total billed finance charges and any fees, or (c) $25.00.  
Any New Balance less than $25.00 is payable in full. The Minimum Amount Due shown on 
your Account Statement will also include any amount past due and any amount by which your 
Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
instrument drawn on a U.S. branch of a financial institution located in the U.S. or by money 
order. Payments must be denominated in U.S. dollars. 

All payments submitted by mail, except disputed payments, must be mailed or delivered 
to us at the Payment Address. Any payments received after 5:00 p.m. Central Time on 
any Business Day will be credited on the next Business Day. Credit to your Account may be 
delayed for up to 5 days if the payment is (a) not received at the Payment Address, (b) not 
made in U.S. dollars drawn on a U.S. branch of a financial institution located in the U.S. or by 
money order, or (c) not accompanied by the top portion of your Account Statement. Delayed 
crediting may cause you to incur additional fees and finance charges. (You understand that 
payments submitted by mail may not be made, and may not be deemed received by us, at 
any location other than the Payment Address.) All credits for payments to your Account are 
subject to final payment by the institution on which the item of payment was drawn. 

Although we may post payments as of the date we receive them, your Available Credit Limit 
may not be restored for up to 10 days after we receive your payment. Payments on your 
Account that exceed the Minimum Amount Due will be allocated first to the Account balance 
with the highest APR, and then to each consecutive Account balance bearing the next highest 
APR, at the time payment is posted to your Account. Payments on your Account that do not 
exceed the Minimum Amount Due will be applied in the following order: finance charges, 
fees, the Account balance with the lowest APR, then to each consecutive Account balance 
bearing the next lowest APR at the time payment is posted to your Account.

We may, in our sole discretion, offer you the ability to make your payments on an expedited 
basis. When you authorize us to process an expedited payment to your Account, we may 
charge you a fee. The amount of the fee will be disclosed to you at the time of the payment. 
We are not responsible if your financial institution dishonors an expedited payment for any 
reason, and we will retain the fee in those circumstances.

9. Prepayment. You may pay without penalty any portion of the entire New Balance or 
more than your Minimum Amount Due before the Payment Due Date. You understand that by 
making a prepayment, the total amount you owe us will be reduced but that you must pay 
the Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement.

DETERMINATION OF FINANCE CHARGES
10. Daily Periodic Rate. We determine the Daily Periodic Rate by dividing the applicable 
APR by 365. 

11. Minimum Finance Charge. If you incur finance charges in any Billing Cycle that 
total less than $1.00, the finance charge that will be charged to your Account is $1.00.

12. APR.
(a) Purchases and Cash Advances. Documents accompanying your Card, which are 
incorporated by reference into this Agreement, disclose the APR for Purchases and  
Cash Advances in effect when your Account is opened. 

Variable APR for Purchases. If the APR for Purchases is a variable rate based on the 
WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable 
margin for those Transactions to the WSJ Prime Rate. (A “margin” is the percentage we add 
to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), 
but will not exceed 24.99% (corresponding Daily Periodic Rate of 0.0685%). 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 finance charge and the Minimum Amount Due will 
change and may result in a smaller part of your payment being applied to reduce principal. 
We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. 

Changes to the Daily Periodic Rate and corresponding APR for Purchases will be applied to 
your existing Account balance and to subsequent Transactions effective as of the first day of 
the Billing Cycle in which we determine the interest rate.  If The Wall Street Journal does 
not publish the prime rate, or if it changes the definition of prime rate, we may, at our sole 
discretion, substitute another index.
(b) Changes to Rates. Subject to Applicable Law, we may change the Daily Periodic Rate and 
corresponding APR for Purchases and Cash Advances if you are in default of this Agreement, 
or if we, in our sole discretion and from time to time, decide to take such action. (Please see 
the sections of this Agreement entitled “Penalty APR for Payments Late by 60 Days or More,” 
“Penalty APR for Other Default,” “Changes to this Agreement” and “Default.”)
(c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we 
may offer you an introductory or promotional APR for all or a part of your Transactions. For 
example, we may offer you a promotional APR to encourage specific transactions, such as 
transferring balances from accounts you have with others, or an introductory APR for Purchases 
when you open an Account. The period of time for which the introductory or promotional APR 
applies may be limited. Any introductory or promotional APR offer will be subject to the terms 
of the offer and this Agreement. If applicable, we will disclose information regarding any 
introductory or promotional APRs and the period of time during which they are in effect in the 
document that accompanies your Card or in materials we send you about the offer after you 
obtain your Card. If i) we receive a Minimum Amount Due after its Payment Due Date; (ii) 
your total outstanding balance exceeds your Account credit limit on the closing date of a Billing 
Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used 
for payment on your Account has been returned to us unpaid for any reason, (B) we must 
return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a 
Convenience Check used to access your Account is not honored for any reason, we will, subject 
to Applicable Law, adjust the APR to the APR then in effect or the penalty APR, as applicable.  
(d) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we
reserve the right to increase the APR to 24.99% (corresponding Daily Periodic Rate of
0.0685%) on all new and outstanding Account balances each time we do not receive at least
the Minimum Amount Due within 60 days of its Payment Due Date. Once you become subject 
to this penalty APR, we may change your APR for outstanding balances back to the respective 
APRs in effect for your Account (not including any promotional APR), but only if you bring your 
Account current and then, for six (6) consecutive Billing Cycles, you pay at least the Minimum 
Amount Due by the Payment Due Date. Any other variable or fixed APR that would otherwise 
apply to new and outstanding Account balances will change to this penalty APR.
(e) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to
increase the APR to 24.99% (corresponding Daily Periodic Rate of 0.0685%) on all new
Transactions on your Account that occur more than 14 days after we send you notice of the
increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date
but before 60 days after its Payment Due Date. Once you become subject to this penalty APR, 
we may change your APR back to the respective APRs in effect for your Account (not including
any promotional APR), but only if you bring your Account current (if applicable), and then for
six (6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment
Due Date. Any other variable or fixed APR that would otherwise apply to new Account 
balances will change to this penalty APR.

13. Balance Subject to Finance Charge and Finance Charges.
(a) Balance Subject to Finance Charge. We will treat all fees (including Credit Insurance/
Debt Protection Plan fees but excluding Cash Advance fees) as Purchases for the purpose of 
computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash 
Advances for the purpose of computing the average daily balance for Cash Advances. We 
calculate the balances of Purchases that are subject to a finance charge separately, based on 
the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
balance of Cash Advances that is subject to a finance charge separately, based on the average 
daily balance of those Cash Advances in the Current Billing Cycle. To determine the average 
daily balance for each type of Transaction (that is, Purchases and Cash Advances) during the 
Current Billing Cycle, we take the beginning balance of each type of Transaction each day, 
add any new Transactions of that type, and subtract any payments or credits applied to that 
type of Transaction that day. This gives us the daily balance for that type of Transaction. The 
daily balance for each type of Transaction is considered to be $0 for any day on which those 
portions of your Account have a credit balance. Then, we add all of the daily balances for the 
Current Billing Cycle and divide the total by the number of days in the Current Billing Cycle. 
This gives us an average daily balance of each type of Transaction for your Current Billing 
Cycle.
(b) Finance Charges. No finance charges (other than International Transaction Fees) will be 
imposed on Purchases if you pay in full the New Balance shown on the Account Statement for 
your Current Billing Cycle by the Payment Due Date. If you have not done so, a finance charge 
will accrue from the transaction date on Purchases at the applicable APR for Purchases until 
the date payment in full is posted to your Account.

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A finance charge will be imposed on Cash Advances from the Transaction date and included in 
the average daily balance of Cash Advances at the applicable APR for Cash Advances until the 
date payment in full is posted to your Account. There is no grace period or time period within 
which to pay and avoid a finance charge on Cash Advances.

The total finance charge for a Billing Cycle is the sum of the finance charges for Purchases and 
Cash Advances. To compute the periodic rate portion of finance charges for your Current Billing 
Cycle, we multiply the average daily balance of each type of your Transactions in the Current 
Billing Cycle by the applicable Daily Periodic Rates for that cycle and multiply this number 
by the number of days in the Current Billing Cycle. Fees for Cash Advances and International 
Transactions, if any, are added to and included in the total finance charges for your Current 
Billing Cycle.

14. Fees.
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a balance transfer fee equal to 4% of the total dollar amount of the 
balance you are transferring from another account to your Account. 
Annual/Monthly Fee. Certain cards may have an annual or monthly fee. If your Card has 
one of these fees, the amount of this fee is disclosed in the application for your Account and 
also will be disclosed in the document that accompanies your Card. This fee is assessed for the 
use of the Account and associated services, and for (i) Annual Fees, will be identified as a fee 
on your Account Statement in the first Billing Cycle after you open your Account and annually 
thereafter, and (ii) Monthly Fees, will be identified as a fee on your Account Statement each 
month.
Cash Advance Fee. We will assess a finance charge in the form of a Cash Advance fee 
equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
on your Account.
Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
make your required Minimum Amount Due by the Payment Due Date for six consecutive 
Billing Cycles. In any event, the late payment fee will not be greater than your Minimum 
Amount Due for the Billing Cycle for which your payment was late.
International Transaction Fee. There is a finance charge in the form of a transaction 
fee equal to 3% of the U.S. dollar amount of each Foreign Transaction.  
This fee will be in addition to any other applicable transaction fees.
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.
Convenience Check Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a convenience check fee equal to 4% of the total dollar amount of 
each convenience check used.
Documentation Fee. We will provide copies of billing statements, sales drafts and 
payment instruments (“Items”) to you upon request. We will impose a fee of $5 for each 
copy of an Item unless prohibited by Applicable Law. We will not impose any fee if your 
request is made in connection with notice of a billing error.
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 
suspended, as well as an annual fee and per item fee for each Transaction, and you agree to 
pay us such charges and fees.

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

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

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find a Mistake on Your Statement. 
If you think there is an error on your statement, write to us at: 
Select Card Alliance, P.O. Box 495933, Cincinnati, OH 45249-5933

In your letter, give us the following information:
•  Account Information: Your name and Account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake.

You must contact us:
•  Within 60 days after the error appeared on your statement.
•  At least 3 Business Days before an automated payment is scheduled, if you want  

to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing. You may call us, but if you do, we are not 
required to investigate any potential errors and you may have to pay the amount in question.

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

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

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

why we believe the bill is correct.

While we investigate whether or not there has been an error:
• We cannot try to collect the amount in question, or report you as delinquent on  

that amount.

•  The charge in question may remain on your statement, and we may continue to charge you 

interest on that amount.

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

remainder of your balance.

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

other fees related to that amount.

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

If you receive our explanation but still believe your bill is wrong, you must write to us within 
10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent 
without also reporting that you are questioning your bill. We must tell you the name of anyone 
to whom we reported you as delinquent, and we must let those organizations know when the 
matter has been settled between us. If we do not follow all of the rules above, you do not 
have to pay the first $50 of the amount you question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Card Purchase. If you are dissatisfied with the 
goods or services that you have purchased with your Card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right not to pay the remaining 
amount due on the Purchase. To use this right, all of the following must be true:
1. The Purchase must have been made in your home state or within 100 miles of your current 
mailing address, and the Purchase price must have been more than $50. (Note: Neither of 
these are necessary if your purchase was based on an advertisement we mailed to you, or 
if we own the company that sold you the  
goods or services.)

2. You must have used your Card for the Purchase. Purchases made with Cash Advances from 

an ATM do not qualify.

3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and 
you are still dissatisfied with the Purchase, contact us in writing at: Select Card Alliance, 
P.O. Box 495933, Cincinnati, OH 45249-5933.

While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision. At that point, if we think you owe us 
an amount and you do not pay, we may report you as delinquent.    

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

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

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

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

21. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
your right to use your Account or Card, along with your right to make future Transactions, at 
any time and for any reason without notice to you. You or anyone you authorized to use the 
Card or Account may terminate your Account and use of your Card at any time by calling us 
at 1-877-954-0190, or writing to us at Select Card Alliance, P.O. Box 495933, Cincinnati, 
OH 45249-5933. Any request to terminate your Account will be effective after we have had 
a reasonable opportunity to act on such request. The termination of this Agreement, whether 
initiated by us or you, will not affect any of your or our rights and obligations under this 
Agreement. If this Agreement is terminated, you must still repay any amounts you owe us, 
even if we allow a Transaction to be completed with your Account or Card after this Agreement 
has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
Account when we ask you to or when this Agreement is terminated. If someone attempts to 
use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
retained when you try to use it when certain other events occur.

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

23. Our Additional Rights When You Are in Default. If your Account is in default 
under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion 
of your outstanding Account balance immediately, (b) allow you to repay your Account subject 
to the terms and conditions of this Agreement, (c) immediately terminate your Account 
and cancel all Cards, (d) reduce your Account credit limit or otherwise limit your ability to 
make Transactions as discussed in this Agreement, (e) commence a legal proceeding against 

4

you to collect all amounts owed in connection with this Agreement, or (f) increase the APR 
for Purchases and Cash Advances. We also may charge you court costs and reasonable 
attorneys’ fees that we actually incur, as permitted by Applicable Law, if your Account is sent 
for collection to an attorney who is not our salaried employee. We will not be obligated to 
honor any attempted use of your Card or your Account if your Account is in default, or we 
have decided to terminate your Account or limit your ability to make Transactions as discussed 
in this Agreement. Except as otherwise provided for in this Agreement, finance charges will 
continue to accrue at the APR in effect at the time of default until your total Account balance, 
including such accrued finance charges, is paid in full. You agree that, subject to Applicable 
Law, if your Account is in default under this Agreement, you will accept calls from us at your 
home and your place of business regarding collection of your Account. You understand and 
agree that the calls to your home may be automatically dialed and a recorded message may 
be played. You agree such calls will not be considered “unsolicited” calls or telemarketing calls 
for purposes of state or federal law.

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

25. Communicating With You; Consent To Contact By Electronic And Other 
Means. To the extent permitted by applicable law, you consent that we may contact you at 
any telephone number that you have given to us, any number that you have called us from 
or any number we have for you in our records, including your cellular or other wireless device 
to service your account or for collection purposes. We have your permission to contact you 
by any means available, including by text message. You also agree that we may contact you 
using prerecorded messages or automatic dialers. When we use the words “we” and “us” in 
this paragraph, we are also referring to our affiliates, agents and service providers. If you give 
us an email address, you also consent to our contacting you by email. 
26. Telephone Monitoring and Recording. You acknowledge that your telephone 
calls and other communications you provide to us may be monitored and recorded for training 
and quality control purposes. You agree that we may monitor, record, retain and reproduce 
your telephone calls and any other communications you provide to us, regardless of how 
transmitted to us, as evidence of your authorization to act in connection with any Transaction, 
your Account or other service contemplated by this Agreement.  We will not be liable for any 
losses or damages that are incurred as a result of these actions. We are not, however, under 
any obligation to monitor, record, retain or reproduce such items, unless required to do so by 
Applicable Law.

27. Arbitration. You and we each agree that any Claim will be arbitrated instead of 
litigated in court under the circumstances and procedures set forth below. Any Claim will be 
resolved upon the election of arbitration by you or us pursuant to this provision and the AAA 
Rules in effect at the time the Claim is filed. (If for any reason the AAA is unable or unwilling 
or ceases to serve as arbitration administrator, another nationally recognized arbitration 
organization utilizing similar rules and procedures will be substituted by us.) With respect to 
Claims covered by this provision, a party who has asserted a Claim in a lawsuit in court may 
elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other 
party or parties. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, 
NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE 
A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS 
PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE 
AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM 
SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL 
BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO 
COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
visiting the AAA’s Web site at www.adr.org. All Claims must be filed at any AAA office.

There will be no authority for any Claims to be arbitrated on a class action basis. Any 
arbitration hearing that you attend will take place in the federal judicial district in which you 
reside. At your written request, we will temporarily advance up to $500 towards the filing, 
administrative and/or hearing fees for any Claim that you may file against us after you 

have paid an amount equivalent to the fee, if any, for filing such a Claim in state or federal 
court (whichever is less) in the judicial district in which you reside. At the conclusion of the 
arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, 
administrative and/or hearing fees in connection with the arbitration. Unless inconsistent 
with Applicable Law, each party will bear the expense of that party’s attorneys’, experts’ and 
witness fees, regardless of which party prevails in the arbitration.

This provision is made pursuant to a transaction involving interstate commerce and will 
be governed by the FAA, 9 U. S. C. §§ 1 et seq., as amended. The arbitrator will apply 
applicable substantive law consistent with the FAA and applicable statutes of limitations 
and will honor claims of privilege recognized at law. Judgment upon the award rendered by 
the arbitrator may be entered in any court having jurisdiction. The arbitrator’s decision will 
be final and binding, except for any right of appeal provided by the FAA and except that, if 
the amount in controversy exceeds $100,000, any party can appeal the award to a three-
arbitrator panel administered by the AAA, which will reconsider de novo any aspect of the 
initial award requested by the appealing party. The decision of the panel will be by majority 
vote. The costs of such an appeal will be borne by the appealing party regardless of the 
outcome of the appeal.

As solely used in this provision, the terms we and us will for all purposes mean Fifth Third 
Bank, all of its parents, wholly- or majority-owned subsidiaries, affiliates, predecessors, 
successors and assigns, and all of their independent contractors, agents, employees, directors 
and representatives.

This provision will survive termination of your Account, as well as the repayment of all 
outstanding amounts incurred in connection with this Agreement. If any portion of this 
provision is deemed invalid or unenforceable under any law or statute consistent with the FAA, 
it will not invalidate the remaining portions of this arbitration provision or the Agreement. In 
the event of a conflict or inconsistency between the AAA Rules and this arbitration provision, 
this provision will govern.

28. Changes to this Agreement. Subject to Applicable Law, we can change this 
Agreement at any time, regardless of whether you have access to your Account, by adding, 
deleting or modifying any provision (including increasing any rate of finance charge, 
increasing or adding fees or charges (including annual fees), changing the method of 
computing balances subject to finance charge, changing your Account credit limit, changing 
the date upon which finance charges begin to accrue, changing the Minimum Amount Due 
or limiting the number or amount of Transactions on your Account). Any such changes will 
generally be effective immediately unless we are required by Applicable Law to provide you 
with advance written notice of the proposed changes. If this is the case, those changes will be 
effective immediately following the effective date stated in the notice. Subject to Applicable 
Law, any such changes will apply to your outstanding Account balance on the effective date 
of the change and to any future balances created after that date. If we give you the right to 
reject a change (whether because it is required by Applicable Law or otherwise), and  you do 
not notify us by the date stated in a notice, or if you notify us but then use your Account after 
the date stated in the notice, you will be deemed to accept all changes in the notice and to 
accept and confirm all terms of your Agreement and all changes in prior notices we have sent 
you regardless of whether you have access to your Account. If you reject a change that we 
make, we will close your Account. No change to any term of this Agreement will affect your 
obligation to pay all amounts you owe under this Agreement.

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

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

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

5

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

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

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

35. Entire Agreement. You acknowledge that this Agreement, as amended from 
time to time, and the documents accompanying your Card that apply to your Account, 
which are incorporated by reference into this Agreement, make up the entire agreement 
between you and us and supersedes and may not be contradicted by evidence of any prior 
or contemporaneous written or oral communications and understandings between you and 
us concerning the Account and the Card. Neither you nor we intend that anything in this 
Agreement should result in the assessment of fees or charges in excess of those permitted by 
Applicable Law. If any fee or charge assessed under this Agreement is finally determined to 
be in excess of that permitted by Applicable Law, the excess amount will be applied to reduce 
the outstanding balance in your Account or, if there is no outstanding balance, will be refunded 
to you. You agree that any documentation provided to you that indicates that a Transaction 
was made shall be admissible as evidence of such Transaction and shall be proof that such 
transaction or transfer was made.

36. Rewards Program Terms and Conditions. If you are enrolled in a Rewards 
program, terms of the program can be found at www.managemyrew.com.

37. Questions. If you have any questions about this Agreement or your Card,  
please contact us at 1-877-954-0190.

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

6

FACTS WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?

Rev. 08/13

WHY?

WHAT?

Financial companies choose how they share your personal information. Federal law gives consumers 
the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, 
and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have 
with us. This information can include:
• Social Security number, name, address, email address, income, and assets
• Payment history and account balances
• Credit history and creditworthiness

HOW?

All ﬁnancial companies need to share customers’ personal information to run their everyday business. 
In the section below, we list the reasons ﬁnancial companies can share their customers’ personal 
information; the reasons Fifth Third chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?

For our everyday business purposes— such as to 
process your transactions, maintain your account(s), 
respond to court orders and legal investigations, or 
report to credit bureaus

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

For joint marketing with other ﬁnancial companies

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

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

For our affiliates to market to you

For nonaffiliates to market to you

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

No

Yes

Yes

N/A

TO LIMIT
OUR
SHARING

• Call 1-877-954-0190—our menu will prompt you through your choice(s); or
• Write to us at Card Center, Privacy Administration, Post Office Box 495933, Cincinnati, OH 45249-5933. 
  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 1-877-954-0190 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
personal information?

How does Fifth Third collect my 
personal information?

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

We collect your personal information, for example, when you:
• Open an account or apply for a loan
• Pay your bills or make a deposit
• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, 
affiliates, or other companies. 

7

Why can’t I limit all sharing?

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

DEFINITIONS

Affiliates

Nonaffiliates

Joint marketing

Federal law gives you the right to limit only:
• sharing for affiliates’ everyday business purposes–information about 
  your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to 
limit sharing. See below for more information on state laws. 

Your choices will apply to everyone on your account.

Companies related by common ownership or control. They can be 
financial and nonfinancial companies.
• Our affiliates include companies with a Fifth Third name; financial 
  companies such as an insurance agency or a leasing company.

Companies not related by common ownership or control. They can be 
financial and nonfinancial companies.
• Fifth Third does not share information with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together 
market financial products or services to you.
• Our joint marketing partners include but may not be limited to insurance 
  companies.

OTHER IMPORTANT INFORMATION

Nevada law requires that we provide you with the following contact information: 

Card Center
Privacy Administration
P.O. Box 495933
Cincinnati, OH 45249-5933

Bureau of Consumer Protection, Office of the Nevada Attorney General
555 East Washington Street, Suite 3900
Las Vegas, NV 89101
Phone: (702) 486-3132, Email: BCFINFO@ag.state.nv.us

CA, ND and VT residents: Accounts with mailing addresses in these states will be treated as if they have selected 
for us to not share your credit and personal financial information with other Fifth Third companies. For CA and 
VT residents, accounts with mailing addresses in these states will be treated as if they have selected for us not 
to share information under a joint marketing agreement as defined above. 

CUSTOMER IDENTIFICATION PROGRAM

In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies 
each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as 
well as trust, brokerage, insurance, and investment management accounts.

What This Means To Our Customers
When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable), 
and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver’s license or other identifying 
documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Fifth Third.

LIST OF AFFILIATES

Fifth Third Bank, an Ohio Banking Corporation
Fifth Third Insurance Agency, Inc.
Fifth Third Mortgage Company
Fifth Third Securities, Inc. Member FINRA/SIPC

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

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

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 Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a wholly owned subsidiary of Fifth Third Bank, 
a registered broker-dealer and investment advisor. Securities and investments offered through Fifth Third Securities, Inc. and insurance products:

Are Not FDIC Insured

Offer No Bank Guarantee

May Lose Value

Are Not Insured By Any Federal Government Agency

Are Not A Deposit

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

8

M-109663 

    08/13

Platinum Rewards and Cash Rewards Fees  
and Credit Disclosures

Interest Rates and Interest Charges

0% introductory APR for the first 12 Billing Cycles.  
After that, your APR will be 12.99% to 21.99%,
based on your credit worthiness.  This APR will vary with the market 
based on the WSJ Prime Rate.

0% introductory APR for the first 12 Billing Cycles. After that,  
your APR will be the standard APR for Purchases and will be  
12.99% to 21.99%, based on your credit worthiness.  
This APR will vary with the market based on the WSJ Prime Rate.

24.99%

24.99%
This APR may be applied to your Account if you make a late  
payment.
How Long Will the Penalty APR Apply? If your APRs are 
increased because you are late, the Penalty APR will apply until you 
make six consecutive minimum payments when due. 

Your due date is at least 26 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay 
your entire balance by the due date each month.

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

Annual  
Percentage  
Rate (APR)  
for  
Purchases:

APR for 
Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

$0

Transaction Fees

•  Balance 
Transfer

•  Cash 

Advance

•  International  
Transaction

Penalty Fees

•  Late  

Payment

4% of the amount of each transfer

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

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

Up to $35

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

Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
Transfers and apply the APR in effect or the Penalty APR if you make a late payment.

The introductory APR for Purchases and Balance Transfers is 0% for the first 12 billing cycles.  
Thereafter, Purchases and Balance Transfers will be subject to the APR for Purchases and will be 
12.99% to 21.99%, based on your credit worthiness. The APR for Cash Advances is 24.99%.  
The APR for Penalty is 24.99%.

The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. The 
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 
Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685% 

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
will be 9.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/2014 and is 
subject to change thereafter. 

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

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

9

Platinum Fees and Credit Disclosures

Interest Rates and Interest Charges

0% introductory APR for the first 12 Billing Cycles.  
After that, your APR will be 10.99% to 21.99%,
based on your credit worthiness. This APR will vary with the market 
based on the WSJ Prime Rate.

0% introductory APR for the first 12 Billing Cycles.  After that,  
your APR will be the standard APR for Purchases and will be   
10.99% to 21.99%, based on your credit worthiness.  
This APR will vary with the market based on the WSJ Prime Rate.

24.99%

24.99%
This APR may be applied to your Account if you make a late  
payment.
How Long Will the Penalty APR Apply? If your APRs are 
increased because you are late, the Penalty APR will apply until you 
make six consecutive minimum payments when due. 

Your due date is at least 26 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay  
your entire balance by the due date each month.

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

Annual  
Percentage  
Rate (APR)  
for  
Purchases:

APR for 
Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

$0

Transaction Fees

•  Balance 
Transfer

•  Cash 

Advance

•  International  
Transaction

Penalty Fees

•  Late  

Payment

4% of the amount of each transfer

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

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

Up to $35

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

Loss of Introductory APR: We may end your introductory APR for Purchases and Balance 
Transfers and apply the APR in effect or the Penalty APR if you make a late payment.

The introductory APR for Purchases and Balance Transfers is 0% for the first 12 billing cycles.  
Thereafter, Purchases and Balance Transfers will be subject to the APR for Purchases and will be 
10.99% to 21.99%, based on your credit worthiness. The APR for Cash Advances is 24.99%.  
The APR for Penalty is 24.99%.

The Daily Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. The 
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 
Advances is 0.0685%. The Daily Periodic Rate for Penalty is 0.0685% 

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
will be 7.74% to 18.74%, based on your credit worthiness. Your margins are the portions of 
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 3/31/2014 and is 
subject to change thereafter. 

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

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

10