FIFTH THIRD BANK CARD AGREEMENT for MasterCard® Fifth Third Preferred Card®
Effective December 29, 2015

F03-S913-1 -1215

This Agreement governs the terms and conditions of your Fifth Third Preferred Card®.  
You should retain and carefully review this entire Agreement. You and we agree as follows:
We give this Agreement to our customers when they are approved for an Account, or when 
they request it. By obtaining a Card, opening an Account and making Transactions, you 
agree to use the Card and Account only for personal, family or household purposes and to 
comply with this entire Agreement. Unless otherwise specified, the words you, your and 
yours mean anyone who applied to us for an Account and whose application we have 
approved, and who uses the Account with your permission. The words we, our, us and 
Fifth Third mean Fifth Third Bank and its successors and assigns.
DEFINITIONS
AAA : The American Arbitration Association.
AAA Rules: The AAA Rules and Procedures.
Account: Unless the context provides otherwise, your credit card account that you can 

access with your Fifth Third Preferred Card.

Account Statement: The periodic statement we mail to you in connection with  

your Account.

Agreement: This Fifth Third Bank Card Agreement for MasterCard Fifth Third  

Preferred Card.

Annual Fee: Your Card has an annual fee of $79. The annual fee is waived, 1) the first 
year for all cardholders; 2) for Members of the Preferred Program Preferred Program 
(requires a combined account balance equal to or greater than $100,000) or Fifth Third 
Private Bank; or 3) we communicated to you in writing that the annual fee would be 
waived permanently.

Applicable Law: At any time, any applicable (a) federal, state or local statutes, 
regulations, licensing requirements, regulatory bulletins or guidance, regulatory 
examinations, agreements or orders, (b) rule, regulation, restriction, requirement or 
contractual term of MasterCard, and (c) judicial or administrative interpretations of any of 
the foregoing.

APR: Annual percentage rate.
ATM: Automated teller machine.
Available Credit Limit: The difference between the balances you owe us and your 

Account credit limit.

Bank Account: Your savings or checking account that you maintain with us primarily for 

personal, household or family purposes and designate to be accessed by your Card and PIN.

Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is 

approximately one month long.

Business Day: Monday through Friday, except Federal Reserve Bank holidays on which  

we are closed.

Card: Unless the context provides otherwise, each Fifth Third Preferred Card® that we issue 

on your Account.

Cash Advance: A transaction in which you (a) use your Card to get a cash advance from 
an ATM; (b) present your Card to any bank or other person that accepts the Card to 
get cash or cash-like equivalents (for example, money orders, traveler’s checks or other 
payment instruments) from your Account; (c) use a Convenience Check or access Ready 
Reserve Overdraft Protection, (d) use your Card or your Account number to make a 
person-to-person transfer conducted through the Internet or otherwise; or (e) quasi-cash 
transactions.

Claim: Any claim, dispute or controversy between you and us arising from or relating to 

this Agreement, any prior agreement that you may have had with us or the relationships 
resulting from the Agreement or any prior agreement, including the validity, enforceability 
or scope of this provision, the Agreement or any prior agreement. Claim includes claims 
of every kind and nature, including but not limited to initial claims, counterclaims, 
cross-claims and third-party claims and claims based upon contract, tort, fraud and other 
intentional torts, statute, common law and equity. The term Claim is to be given the 
broadest possible meaning and includes, by way of example and without limitation, any 
claim, dispute or controversy that arises from or relates to (a) the Account created by 
the Agreement or any prior agreement or any balances on the Account, (b) the Card, 
(c) the EFT services or Ready Reserve Overdraft Protection feature, (d) advertisements, 
promotions or oral or written statements related to the Card, the Account or the terms of 
financing, and (e) your use of the Card and the Account.

Convenience Check: A check that may be used to access your Account.
Current Billing Cycle: A Billing Cycle that just ended.
EFT: Electronic funds transfer.
FAA: Federal Arbitration Act.
Foreign Transaction: A Transaction that occurs or is submitted to us from outside the  

United States or in a foreign currency.

International Transaction Fee: A fee imposed for each Transaction outside of the U.S. 

or in a foreign currency.

MasterCard: MasterCard International.
Minimum Amount Due: The minimum amount you must pay by the Payment Due Date 

shown on the front of your Account Statement.

Monthly Periodic Rate: The periodic rate that applies to certain Credit Transactions 

calculated on a monthly basis.

New Balance: The new balance on your Account shown on the front of your  

Account Statement.

Payment Address: The remittance address indicated on the front of your  

Account Statement.

Payment Due Date: The date shown on the front of your Account Statement by which 

we must receive payment for the Billing Cycle.

PIN: Personal identification number.
POS: Point of sale.
Purchase: A purchase or lease of goods or services made with your Card or your Account.
Ready Reserve Overdraft Protection: An optional feature of your Account whereby 
you may link a checking account to your Account to cover overdrafts on the checking 
account.

Transaction: A purchase or cash advance.
U.S.: United States.
WSJ Prime Rate: The highest prime rate published in the “Money Rates” section of the 

online version of The Wall Street Journal.

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
1. Credit Transactions, Purchases and Cash Advances. 
You may use your Card and your Account to make a Purchase or obtain a Cash Advance by 
presenting your Card or your Account number to participating merchants and establishments 
where the Card is honored.  We will also treat as a Cash Advance any transaction using 
Ready Reserve Overdraft Protection.
You may also use your Card to transfer balances from other creditors, to make other 
transactions by means of balance transfer coupons or checks, or for any other transactions 
that we encourage you to make through an introductory or promotional offer, in accordance 
with the additional terms and conditions that we may offer from time to time. Unless we 
tell you otherwise, we will also treat any such balance transfer or other transaction as a 
Purchase.
You agree that any debt incurred using your Card or your Account is valid, regardless of the 
purpose of the Transaction.
Purchases from a merchant that are directly convertible to cash (sometimes called “quasi-
cash” transactions), such as purchases of casino gaming chips, lottery tickets, money orders, 
wire transfer services, travelers cheques or foreign currency, may not be permitted with your 
Card. In the event it is permitted, it will be treated as a Cash Advance. You may not use your 
Card or your Account for any illegal transaction or any gambling transaction. We reserve the 
right to decline any such transaction without notice.
Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
dollar amounts of any Transactions, even if you have sufficient available credit. We may also 
terminate or suspend your use of your Account and Card and access to your Account without 
notice unless prohibited by Applicable Law.
2. Credit Limit.
We may establish an Account credit limit. You agree not to let the sum of all Credit 
Transactions posted to your Account, plus any finance charges, fees and other charges 
provided for in this Agreement, exceed your Account credit limit as communicated to you 
from time to time.

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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 
Overdraft Protection 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 plus the Overlimit 
Coverage Fee described in the Fees Section of 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.

4. Unauthorized Use. 
You must notify us immediately and assist us in our investigation if your Card is lost or stolen 
or you believe someone is using your Account or a Card without your permission. If you 
notice the loss or theft of your Card or a possible unauthorized use of your Card or  
Account, you should contact us immediately at 877-833-6197, Monday through Friday  
7 AM to 8 PM (EST) or Saturday 8:30 AM to 5 PM (EST). Outside of these hours, contact 
us at 800-972-3030.

5. Third-Party Claims or Defenses. 
We are not responsible if a third party refuses to accept or honor your Card or Account, even 
if you have sufficient available credit. Except as required by Applicable Law, we will not be 
responsible for any claim or defense you may have against any third party that arises out of 
or in connection with any Transaction with your Account or Card or any services or goods or 
other property purchased or leased using your Account or Card.

PAYING YOUR BILLS
6. Periodic Account Statements. 
Except as otherwise stated in this Agreement, we will send you an Account Statement. 
Unless you make other arrangements with us, your Account Statement will be mailed to 
you by regular mail to your address as it appears on our records. We will send your Account 
Statement for each Billing Cycle at the end of which your Account has a debit or credit 
balance in excess of $1.00 or on which a finance charge has been imposed. Generally, you 
will receive 12 Account Statements each year your Account is open. We will not send your 
Account Statement if (a) we deem your Account uncollectible,  (b) delinquency collection 
proceedings have been instituted, or (c) for any other reason permitted by Applicable Law.
7. Payments. 
Your payment is due on or before the Payment Due Date shown on your Account Statement. 
You must pay at least the Minimum Amount Due shown on your Account Statement on 
a monthly basis, which will be the greater of (a) 2% of the New Balance, (b) 0.5% of 
the New Balance plus total billed finance charges and any fees, or (c) $35.00. Any New 
Balance less than $35 is payable in full. The Minimum Amount Due shown on your Account 
Statement will also include any amount past due and any amount by which your Account 
exceeds its credit limit.  You agree to make all payments by check or other negotiable 
instrument drawn on a U.S. branch of a financial institution located in the U.S. or by money 
order. Payments must be denominated in U.S. dollars.

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All payments submitted by mail, except disputed payments, must be mailed or delivered 
to us at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on 
any Business Day will be credited on the next Business Day. Credit to your Account may be 
delayed for up to 5 days if the payment is (a) not received at the Payment Address, (b) 
not made in U.S. dollars drawn on a U.S. branch of a financial institution located in the U.S. 
or by money order, or (c) not accompanied by the top portion of your Account Statement. 
Delayed crediting may cause you to incur additional fees and finance charges. (You 
understand that payments submitted by mail may not be made, and may not be deemed 
received by us, at any location other than the Payment Address.) All credits for payments to 
your Account are subject to final payment by the institution on which the item of payment 
was drawn.
Although we may post payments as of the date we receive them, your Available Credit 
Limit may not be restored for up to 7 days after we receive your payment. If the Minimum 
Amount Due is to be automatically deducted from your checking or savings account with 
us, you agree to have on deposit in that account on the Payment Due Date available funds 
equal to the Minimum Amount Due.  Payments on your Account that exceed the Minimum 
Amount Due will be allocated first to the Account balance with the highest APR, and then 
to each consecutive Account balance bearing the next highest APR, at the time payment 
is posted to your Account.  Payments on your Account that do not exceed the Minimum 
Amount Due will be applied in the following order: finance charges, fees, any applicable 
installment balance minimum amount due that is calculated separately from the Minimum 
Amount Due, the Account balance with the lowest APR, then to each consecutive Account 
balance bearing the next lowest APR at the time payment is posted to your Account.
We may, in our sole discretion, offer you the ability to make your payments on an expedited 
basis. When you authorize us to process an expedited payment to your Account, we may 
charge you a fee. The amount of the fee will be disclosed to you at the time of the payment.
We are not responsible if your financial institution dishonors an expedited payment for any 
reason, and we will retain the fee in those circumstances.
8. Prepayment. 
You may pay without penalty any portion of the entire New Balance or more than your 
Minimum Amount Due before the Payment Due Date. You understand that by making 
a prepayment, the total amount you owe us will be reduced, but that you must pay the 
Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement.

DETERMINATION OF FINANCE CHARGES
9. Monthly Periodic Rate. 
We determine the Monthly Periodic Rate by dividing the applicable APR by 12.
10. Minimum Finance Charge. 
If you incur finance charges in any Billing Cycle that total less than $1.00, the finance 
charge that will be charged to your Account is $1.00.
11. Annual Percentage Rate (APR).
(a) APR for Purchases and Cash Advances. Documents accompanying your Card, which are 
incorporated by reference into this Agreement, disclose the APR for Purchases and Cash 
Advances in effect when your Account is opened. 
(b) Variable APR for Purchases. If the APR for Purchases is a variable rate based on the 
WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable 
margin for those Transactions to the WSJ Prime Rate. (A “margin” is the percentage we add 
to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), 
but will not exceed 29.99% (corresponding Monthly Periodic Rate of 2.4992%). Any 
increase or decrease in the WSJ Prime Rate will result in an increase or decrease in your 
Monthly Periodic Rate and the APR, and as a result, the finance charge and the Minimum 
Amount Due will change and may result in a smaller part of your payment being applied 
to reduce principal. We determine the WSJ Prime Rate two days prior to the closing date 
of your Billing Cycle. Changes to the Monthly Periodic Rate and corresponding APR for 
Purchases will be applied to your existing Account balance and to subsequent Transactions 
effective as of the first day of the Billing Cycle in which we determine the interest rate. If 
The Wall Street Journal does not publish the prime rate, or if it changes the definition of 
prime rate, we may, at our sole discretion, substitute another index.
(c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic 
Rate and corresponding APR for Purchases and Cash Advances if you are in default of this 
Agreement, or if we, in our sole discretion and from time to time, decide to take such 
action. (Please see the sections of this Agreement entitled “Penalty APR for Payments Late 
by 60 Days or More,” “Penalty APR for Other Default,” “Changes to this Agreement” and 
“Default.”)

(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, 
we may offer you an introductory or promotional APR for all or a part of your Transactions. 
For example, we may offer you a promotional APR to encourage specific transactions, 
such as transferring balances from accounts you have with others, or an introductory APR 
for Purchases when you open an Account. The period of time for which the introductory 
or promotional APR applies may be limited. Any introductory or promotional APR offer 
will be subject to the terms of the offer and this Agreement. If applicable, we will disclose 
information regarding any introductory or promotional APRs and the period of time during 
which they are in effect in the document that accompanies your Card or in materials we 
send you about the offer after you obtain your Card. If (i) we receive a Minimum Amount 
Due after its Payment Due Date; (ii) your total outstanding balance exceeds your Account 
credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar instrument or 
electronic payment order that you have used for payment on your Account has been returned 
to us unpaid for any reason, (B) we must return a check or other instrument because it 
is not signed or is otherwise incomplete, or (C) a Convenience Check used to access your 
Account is not honored for any reason, we may adjust the APR to the APR then in effect or 
the penalty APR, as applicable.
(e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate 
of 2.4992%) on all new and outstanding Account balances each time we do not receive at 
least the Minimum Amount Due within 60 days of its Payment Due Date, including when we 
do not receive the Minimum Amount Due because a check, similar instrument or electronic 
payment order that we receive as payment on your Account has been returned to us unpaid 
for any reason, or we must return a check or other instrument because it is not signed or is 
otherwise incomplete. Once you become subject to this penalty APR, we may change your 
APR for outstanding balances back to the respective APRs in effect for your Account (not 
including any promotional APR), but only if you bring your Account current and then, for six 
(6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment 
Due Date. Any other variable or non-variable APR that would otherwise apply to new and 
outstanding Account balances will change to this penalty APR.
(f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase 
the APR to 29.99% (corresponding Monthly Periodic Rate of 2.4992%) on all new 
Transactions on your Account that occur more than 14 days after we send you notice of the 
increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date 
but before 60 days after its Payment Due Date; (ii) your total outstanding balance exceeds 
your Account credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar 
instrument or electronic payment order that you have used for payment on your Account has 
been returned to us unpaid for any reason, (B) we must return a check or other instrument 
because it is not signed or is otherwise incomplete, or (C) a Convenience Check used to access 
your Account is not honored for any reason. Once you become subject to this penalty APR, we 
may change your APR back to the respective APRs in effect for your Account (not including 
any promotional APR), but only if you bring your Account current (if applicable), and then for 
six (6) consecutive Billing Cycles, you pay at least the Minimum Amount Due by the Payment 
Due Date and do not exceed your Account credit limit. Any other variable or non-variable APR 
that would otherwise apply to new Account balances will change to this penalty APR.
12. Balance Subject to Finance Charge and Finance Charges. 
(a) Balance Subject to Finance Charge. We will treat all fees (excluding Cash Advance fees) 
as Purchases for the purpose of computing the average daily balance for Purchases. We 
will treat Cash Advance fees as Cash Advances for the purpose of computing the average 
daily balance for Cash Advances. We calculate the balances of Purchases that are subject to 
a finance charge separately, based on the average daily balance of those Purchases in the 
Current Billing Cycle. We calculate the balance of Cash Advances that is subject to a finance 
charge separately, based on the average daily balance of those Cash Advances in the Current 
Billing Cycle. To determine the average daily balance for each type of Transaction (that 
is, Purchases and Cash Advances) during the Current Billing Cycle, we take the beginning 
balance of each type of Transaction each day, add any new Transactions of that type, and 
subtract any payments or credits applied to that type of Transaction that day. This gives us 
the daily balance for that type of Transaction. The daily balance for each type of Transaction 
is considered to be $0 for any day on which those portions of your Account have a credit 
balance. Then, we add all of the daily balances for the Current Billing Cycle and divide the 
total by the number of days in the Current Billing Cycle. This gives us an average daily 
balance of each type of Transaction for your Current Billing Cycle. 
(b) Finance Charges. No finance charges (other than International Transaction Fees) 
will be imposed on Purchases if you pay in full the New Balance shown on the Account 
Statement for your Current Billing Cycle by the Payment Due Date. If you have not done so, 
a finance charge will accrue from the transaction date on Purchases at the applicable APR 
for Purchases until the date payment in full is posted to your Account. A finance charge will 
be imposed on Cash Advances from the Transaction date and included in the average daily 

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balance of Cash Advances at the applicable APR for Cash Advances until the date payment 
in full is posted to your Account. There is no grace period or time period within which to pay 
and avoid a finance charge on Cash Advances. The total finance charge for a Billing Cycle is 
the sum of the finance charges for Purchases and Cash Advances. To compute the periodic 
rate portion of finance charges for your Current Billing Cycle, we multiply the average daily 
balance of each type of your Transactions in the Current Billing Cycle by the applicable 
Monthly Periodic Rates for that cycle. Fees for Cash Advances and International Transactions, 
if any, are added to and included in the total finance charges for your Current Billing Cycle.
13. Fees.
Annual Fee. Your Card has an annual fee of $79.00. The annual fee is waived, 1) the 
first year for all cardholders; 2) for Members of the Preferred Program (requires a combined 
account balance equal to or greater than $100,000) or Fifth Third Private Bank; or 3) we 
communicated to you in writing that the annual fee would be waived permanently. 
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a balance transfer fee equal to the greater of $5 or 4% of the total 
dollar amount of the balance you are transferring from another account to your Account. 
Cash Advance Fee. We will assess a finance charge in the form of a Cash Advance 
fee equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash 
Advance on your Account.
Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
make your required Minimum Amount Due by the Payment Due Date for six consecutive 
Billing Cycles. In any event, the late payment fee will not be greater than your Minimum 
Amount Due for the Billing Cycle for which your payment was late.
International Transaction Fee. None.
Expedited Card Delivery Fee. None.
Replacement Card Fee. None.
Convenience Check Fee. Unless your offer indicates otherwise, we will assess a 
finance charge in the form of a convenience check fee equal to the greater of $5 or 
4% of the total dollar amount of each convenience check used.
Overlimit Coverage Fee: If you choose to enroll in the optional Overlimit Coverage 
service we will charge $25 for each billing cycle you end with a balance that exceeds your 
credit limit by $25 or more. 
We may institute a standard charge or charges for the issuance, reissuance or use of the 
Card or for the reinstatement of any Card or Account privileges which have been suspended, 
as well as an annual fee and per item fee for each Transaction, and you agree to pay us 
such charges and fees.
14. Foreign Currency Transactions. 
If a Transaction is made in a foreign currency, we and MasterCard will convert the Transaction 
into a U.S. dollar amount. MasterCard will act in accordance with its operating regulations 
or conversion procedures in effect at the time the Transaction is processed. Currently, its 
regulations and procedures provide that the currency conversion rate used is either: (1) a 
wholesale market rate, or (2) a government-mandated rate in effect one day prior to the 
processing date. The currency conversion rate calculated in this manner that is in effect on the 
processing date may differ from the rate in effect on the transaction date or the posting date.
15. Billing Errors. 
A statement of your right to dispute billing errors appears below.

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find a Mistake on Your Statement. If you think there is an error on your 
statement, contact us at Fifth Third Bank, Attn: Disputes Resolution Department,  
5050 Kingsley Drive, MD: 1MOC2G, Cincinnati, OH 45227. You may also contact us  
at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) and Saturday 8:30 AM  
to 5 PM (EST).
Ensure you give us the following information when contacting us:
• Account Information: Your name and Account number.
• Dollar amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill, describe what you 

believe is wrong and why you believe it is a mistake.

You must contact us:
• Within 60 days after the error appeared on your statement.
•  At least 3 Business Days before an automated payment is scheduled, if you want to stop 

payment on the amount you think is wrong.

You must notify us of any potential errors in writing or by phone.  If you believe fraud has 
occurred on your account, please call as soon as possible at 877-333-6197.
What Will Happen After We Receive Your Dispute.
When we receive your dispute, we must do two things:
1.  Within 30 days of receiving your dispute, we must tell you that we received your dispute. 

We will also tell you if we have already corrected the error. 

2.  Within 90 days of receiving your dispute, we must either correct the error or explain to 

you why we believe the bill is correct.

While we investigate whether or not there has been an error:
•  We cannot try to collect the amount in question, or report you as delinquent on that 

amount.

•  The charge in question may remain on your statement, and we may continue to charge 

you interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

•  We can apply any unpaid amount against your 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 at 
Fifth Third Bank, Attn: Disputes Resolution Department, 5050 Kingsley Drive, MD 1MOC2G, 
Cincinnati, Ohio 45227 within 10 days telling us that you still refuse to pay. If you do so, 
we cannot report you as delinquent without also reporting that you are questioning your 
bill. We must tell you the name of anyone to whom we reported you as delinquent, and we 
must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question, even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchase. If you are dissatisfied with 
the goods or services that you have purchased with your Card and Account, and you have 
tried in good faith to correct the problem with the merchant, you may have the right not to 
pay the remaining amount due on the Purchase. To use this right, all of the following must 
be true:
1.  The Purchase must have been made in your home state or within 100 miles of your 

current mailing address, and the Purchase price must have been more than $50. (Note: 
Neither of these are necessary if your purchase was based on an advertisement we 
mailed to you, or if we own the company that sold you the goods or services.)

2.  You must have used your Card for the Purchase without the PIN access. Purchases made 

with Cash Advances from an ATM or made using your PIN do not qualify.

3.  You must not yet have fully paid for the Purchase.
 If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us 
in writing at: Fifth Third Bank, Attn: Disputes Resolution Department, 5050 Kingsley Drive, 
MD 1MOC2G, Cincinnati, Ohio 45227.
While we investigate, the same rules apply to the disputed amount as discussed above.
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe us an amount and you do not pay, we may report you as delinquent.

GENERAL PROVISIONS
16. Accepting this Agreement.
This Agreement will be effective on either the date you sign or otherwise submit an 
application for the Account that we approve or the date you use, or someone you authorized 
uses, the Card or the Account, whichever is earlier. You agree that by using the Account or 
the Card, signing a Card application or other Account document or otherwise accepting the 
Account or the Card, you accept the terms and conditions of this Agreement.
17. Promise to Pay.
By using your Card or your Account, you promise to pay us for all Transactions made with 
your Card or on your Account, as well as any fees, finance charges or other charges.
If this is a joint Account, each of you, together and individually, is responsible for all amounts 
owed, even if only one of you uses the Card or Account.

18. Your Responsibility. 
You are responsible for all Transactions and other amounts posted to your Account arising 
from the authorized use of your Account or Card. If you have authorized another person 
to use your Account or Card in any way, we will deem your authorization to include the 
authorization to make Transactions of any kind using your Account or Card and to incur 
related fees and charges. We will also deem your authorization to continue until you revoke 
it by preventing that person from using your Account or Card. We are not responsible for 
controlling any person whom you have asked us to add to your Account or someone you let 
use your Account or Card. You should think carefully before allowing anyone to become an 
authorized user on your Account because you are allowing that person to use the Account 
as you can. If you wish to remove that person’s ability to use your Account or Card, you 
must notify us in writing. This notice will not be effective until we receive and have had a 
reasonable opportunity to act on it.

OUR RIGHTS AND HOW THEY AFFECT YOU
19. Delays in Enforcement. 
We can delay enforcing or not enforce any of our rights under this Agreement without losing 
our right to enforce them in the future. For example, we may accept late payments or 
payments that are marked “payment in full” or with other restrictive endorsements without 
losing any of our rights under this Agreement.
20. Termination. 
Subject to Applicable Law, we may terminate this Agreement or revoke your right to use 
your Account or Card, along with your right to make future Transactions, at any time and for 
any reason without notice to you. You or anyone you authorized to use the Card or Account 
may terminate your Account and use of your Card at any time by calling us at 800-972-
3030, or writing to us at Fifth Third Bank, 5050 Kingsley Drive, MD 1MOC2G, Cincinnati, 
Ohio 45227. Any request to terminate your Account will be effective after we have had a 
reasonable opportunity to act on such request. The termination of this Agreement, whether 
initiated by us or you, will not affect any of your or our rights and obligations under this 
Agreement. If this Agreement is terminated, you must still repay any amounts you owe 
us, even if we allow a Transaction to be completed with your Account or Card after this 
Agreement has been terminated. You agree to give to us or to destroy all of the Cards issued 
on your Account when we ask you to or when this Agreement is terminated. If someone 
attempts to use a Card after this Agreement is terminated, the Card may be retained. A Card 
also may be retained when you try to use it when certain other events occur.
21. Default. 
Subject to Applicable Law, your Account will be in default under this Agreement if any one 
of the following occurs: (a) you become generally unable to pay your debts, (b) you die 
or are declared legally incompetent, (c) you use a check or instrument for payment that is 
dishonored, (d) you fail to pay the Minimum Amount Due on or before your Payment Due 
Date, (e) any other creditor tries by legal process to take money of yours in our possession, 
(f) a petition is filed or other proceeding is commenced by or against you under the federal 
bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us 
with any false or misleading information, (h) you breach any of your other obligations under 
this Agreement, (i) you 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.
22. Our Additional Rights When You Are in Default. 
If your Account is in default under this Agreement, we may, subject to Applicable Law,  
(a) require you to pay any portion of your outstanding Account balance immediately,  
(b) allow you to repay your Account subject to the terms and conditions of this Agreement,  
(c) immediately terminate your Account and cancel all Cards, (d) reduce your Account credit 
limit or otherwise limit your ability to make Transactions as discussed in this Agreement,  
(e) commence a legal proceeding against you to collect all amounts owed in connection 
with this Agreement, or (f) increase the APR for Purchases and Cash Advances. We also 
may charge you court costs and reasonable attorneys’ fees that we actually incur, as 
permitted by Applicable Law, if your Account is sent for collection to an attorney who is not 
our salaried employee. We will not be obligated to honor any attempted use of your Card or 
your Account if your Account is in default, or we have decided to terminate your Account or 
limit your ability to make Transactions as discussed in this Agreement. Except as otherwise 
provided for in this Agreement, finance charges will continue to accrue at the APR in effect at 
the time of default until your total Account balance, including such accrued finance charges, 
is paid in full. You agree that, subject to Applicable Law, if your Account is in default under 
this Agreement, you will accept calls from us at your home and your place of business 
regarding collection of your Account. You understand and agree that the calls to your home 

4

may be automatically dialed and a recorded message may be played. You agree such calls 
will not be considered “unsolicited” calls or telemarketing calls for purposes of state or 
federal law.
23. 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, (i) increase your credit line; (ii) decrease your credit line; or (iii) deem 
your Account to be in default.
24. Communicating With You: Consent to Contact By Electronic  
and Other Means. 
To the extent permitted by applicable law, you consent that we may contact you at any 
telephone number that you have given to us, any number that you have called us from or 
any number we have for you in our records, including your cellular or other wireless device 
to service your account or for collection purposes. We have your permission to contact you 
by any means available, including by text message. You also agree that we may contact you 
using prerecorded messages or automatic dialers. When we use the words “we” and “us” 
in this paragraph, we are also referring to our affiliates, agents and service providers. If you 
give us an email address, you also consent to our contacting you by email.
25. Telephone Monitoring and Recording. 
You acknowledge that your telephone calls and other communications you provide to us may 
be monitored and recorded for training and quality control purposes. You agree that we may 
monitor, record, retain and reproduce your telephone calls and any other communications 
you provide to us, regardless of how transmitted to us, as evidence of your authorization to 
act in connection with any Transaction, your Account or other service contemplated by this 
Agreement. We will not be liable for any losses or damages that are incurred as a result 
of these actions. We are not, however, under any obligation to monitor, record, retain or 
reproduce such items, unless required to do so by Applicable Law.
26. Arbitration. 
You and we each agree that any Claim will be arbitrated instead of litigated in court under 
the circumstances and procedures set forth below. Any Claim will be resolved upon the 
election of arbitration by you or us pursuant to this provision and the American Arbitration 
Association (AAA) Rules in effect at the time the Claim is filed. (If for any reason the AAA 
is unable or unwilling or ceases to serve as arbitration administrator, another nationally 
recognized arbitration organization utilizing similar rules and procedures will be substituted 
by us.) With respect to Claims covered by this provision, a party who has asserted a Claim 
in a lawsuit in court may elect arbitration with respect to any Claim subsequently asserted in 
that lawsuit by any other party or parties.
IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU 
NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL 
ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS PROVIDED 
FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A 
REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM 
SUBJECT TO ARBITRATION.
EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL AND BINDING. 
NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO 
NOT BE AVAILABLE IN ARBITRATION.
The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
visiting the AAA’s Web site at www.adr.org. All Claims must be filed at any AAA office.
There will be no authority for any Claims to be arbitrated on a class action basis. Any 
arbitration hearing that you attend will take place in the federal judicial district in which you 
reside. At your written request, we will temporarily advance up to $500 towards the filing, 
administrative and/or hearing fees for any Claim that you may file against us after you 
have paid an amount equivalent to the fee, if any, for filing such a Claim in state or federal 
court (whichever is less) in the judicial district in which you reside. At the conclusion of the 
arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, 
administrative and/or hearing fees in connection with the arbitration. Unless inconsistent 
with Applicable Law, each party will bear the expense of that party’s attorneys’, experts’ and 
witness fees, regardless of which party prevails in the arbitration.

This provision is made pursuant to a transaction involving interstate commerce and will 
be governed by the Federal Arbitration Act (FAA), 9 U. S. C. §§ 1 et seq., as amended. 
The arbitrator will apply applicable substantive law consistent with the FAA and applicable 
statutes of limitations and will honor claims of privilege recognized at law. Judgment upon 
the award rendered by the arbitrator may be entered in any court having jurisdiction. The 
arbitrator’s decision will be final and binding, except for any right of appeal provided by the 
FAA and except that, if the amount in controversy exceeds $100,000, any party can appeal 
the award to a three-arbitrator panel administered by the AAA, which will reconsider de novo 
any aspect of the initial award requested by the appealing party. The decision of the panel 
will be by majority vote. The costs of such an appeal will be borne by the appealing party 
regardless of the outcome of the appeal. As solely used in this provision, the terms we and 
us will for all purposes mean Fifth Third Bank, all of its parents, wholly- or majority-owned 
subsidiaries, affiliates, predecessors, successors and assigns, and all of their independent 
contractors, agents, employees, directors and representatives.
This provision will survive termination of your Account, as well as the repayment of all 
outstanding amounts incurred in connection with this Agreement. If any portion of this 
provision is deemed invalid or unenforceable under any law or statute consistent with 
the FAA, it will not invalidate the remaining portions of this arbitration provision or the 
Agreement. In the event of a conflict or inconsistency between the AAA Rules and this 
arbitration provision, this provision will govern.
27. Changes to this Agreement. 
Subject to Applicable Law, we can change this Agreement at any time, regardless of whether 
you have access to your Card or Account, by adding, deleting or modifying any provision 
(including increasing any rate of finance charge, increasing or adding fees or charges 
(including annual fees), changing the method of computing balances subject to finance 
charge, changing your Account credit limit, changing the date upon which finance charges 
begin to accrue, changing the Minimum Amount Due or limiting the number or amount of 
Transactions on your Account). Any such changes will generally be effective immediately 
unless we are required by Applicable Law to provide you with advance written notice of the 
proposed changes. If this is the case, those changes will be effective immediately following 
the effective date stated in the notice. Subject to Applicable Law, any such changes will 
apply to your outstanding Account balance on the effective date of the change and to any 
future balances created after that date. If we give you the right to reject a change (whether 
because it is required by Applicable Law or otherwise), and you do not notify us by the 
date stated in a notice, or if you notify us but then use your Card or Account after the date 
stated in the notice, you will be deemed to accept all changes in the notice and to accept 
and confirm all terms of your Agreement and all changes in prior notices we have sent you 
regardless of whether you have access to your Card or Account. If you reject a change that 
we make, we will close your Account. No change to any term of this Agreement will affect 
your obligation to pay all amounts you owe under this Agreement.
28. Waiver of Rights. 
Except as may be prohibited by Applicable Law, you agree to waive any right you may 
have for us to act promptly in bringing any action(s) against you (known as diligence); 
to demand payments of amounts due (known as presentment); to obtain an official 
certification of non-payment (known as protest); and to give notice that amounts due will 
not be paid (known as notice of dishonor or notice of default and non-payment).
29. Change of Address. 
We will rely on the address we have for you in our records for any Account communications 
we send to you unless and until either you or the U.S. Postal Service notifies us of a change 
of address and we have had a reasonable opportunity to act on such notice. If your Account 
is a joint Account, each of you appoints the other as your agent to designate the address to 
which any and all Account communications, including the Account Statement, may be sent 
to you.
30. Correspondence. 
To the extent permitted by Applicable Law, any communication you send to us will not 
be effective until we receive it and have had a reasonable opportunity to act on it. Any 
communication we send to you will, however, be effective and deemed delivered when 
mailed to you at your address as it appears on our records.
31. Assignment. 
You may not sell, assign or transfer your Account or Card or any of your rights and 
obligations under this Agreement. We may, however, sell, assign or transfer your Account, or 
any balance due thereunder, and our rights and obligations under this Agreement to another 
entity without your consent and without prior notice. That entity will take our place in this 
Agreement.

5

32. Severability. 
If any provision of this Agreement is deemed to be void or unenforceable by a court of 
competent jurisdiction, or any governmental agency, that provision will continue to be 
enforceable to the extent permitted by that court or agency, and the remainder of that 
provision will no longer be considered as part of this Agreement. All other provisions of this 
Agreement will, however, remain in full force and effect.
33. Governing Law. 
This Agreement is entered into between you and us in the State of Ohio, and your Card, 
Account and this Agreement, and any claim, dispute or controversy arising from or relating 
to your Card, Account or this Agreement, whether based in contract, tort, fraud or otherwise 
and regardless of the place where you live, is governed by, and construed in accordance 
with, the laws of the State of Ohio, without regard to Ohio’s conflict of laws principles, and 
applicable federal laws and regulations. The legality, enforceability and interpretation of this 
Agreement and the amounts contracted for under this Agreement also are governed by Ohio 
law and applicable provisions of federal law, and all amounts granted under this Agreement 
are extended from the State of Ohio.
34. Entire Agreement. 
You acknowledge that this Agreement, as amended from time to time, and the documents 
accompanying your Card, which are incorporated by reference into this Agreement, make 
up the entire agreement between you and us and supersedes and may not be contradicted 
by evidence of any prior or contemporaneous written or oral communications and 
understandings between you and us concerning the Card and Account. Neither you nor we 
intend that anything in this Agreement should result in the assessment of fees or charges 
in excess of those permitted by Applicable Law. If any fee or charge assessed under this 
Agreement is finally determined to be in excess of that permitted by Applicable Law, the 
excess amount will be applied to reduce the outstanding balance in your Account or, if there 
is no outstanding balance, will be refunded to you. You agree that any documentation 
provided to you that indicates that a Transaction was made shall be admissible as evidence 
of such Transaction and shall be proof that such transaction or transfer was made.
35. Questions. 
If you have any questions about this Agreement or your Card or Account, please contact  
us at 800-972-3030.
36. Section Headings. 
The Section headings used in this Agreement are only meant to organize this Agreement,  
and do not in any way limit or define your or our rights or obligations hereunder.

READY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND 
TRANSFER AND ELECTRONIC BANKING SERVICES 
37. Ready Reserve Overdraft Protection. You may set up this Account to cover 
overdrafts on your checking Account. If you do, then the terms of this Agreement and the 
Rules and Regulations Applicable to All Fifth Third Bank Consumer and Business Banking 
Accounts and Cards will apply. For purposes of this Agreement, Ready Reserve Overdraft 
Protection transactions will be treated as Cash Advances, subject to the Cash Advance 
APR and will be assessed the Cash Advance Fee described in the Fees Section of this 
agreement. If you enroll in Ready Reserve Overdraft Protection, you may use your credit 
card to withdraw from your checking account at an ATM by entering your PIN and selecting 
withdraw from checking when prompted.
38. Use of Card for Electronic Fund Transfer (EFT) and Electronic Banking 
Services. If you use your Card as an ATM card, the terms of this Agreement and your 
checking account agreement titled, Rules and Regulations Applicable to All Fifth Third Bank 
Consumer and Business Banking Accounts and Cards will apply.

Fifth Third Bank, Member FDIC.

6

3.NF-002-PP-0 158
FACTS

Rev. 08/15
WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?

WHY?

WHAT?

HOW?

Financial companies choose how they share your personal information. Federal law gives consumers the 
right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and 
protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
• Social Security number, name, address, email address, income, and assets
• Payment history and account balances
• Credit history and credit scores

All ﬁnancial companies need to share customers’ personal information to run their everyday business. 
In the section below, we list the reasons ﬁnancial companies can share their customers’ personal 
information; the reasons Fifth Third chooses to share; and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?

For our everyday business purposes— such as to process 
your transactions, maintain your account(s), respond to court 
orders and legal investigations, or report to credit bureaus

For our marketing purposes— to offer our products 
and services to you

For joint marketing with other ﬁnancial companies

For our affiliates’ everyday business purposes—
information about your transactions and experiences

For our affiliates’ everyday business purposes—
information about your creditworthiness 

For our affiliates to market to you

For nonaffiliates to market to you

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

No

Yes

Yes

N/A

TO LIMIT 
OUR 
SHARING

• Call 800-889-5269—our menu will prompt you through your choice(s); or
 • Visit any Fifth Third Banking Center.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date 
we sent this notice. When you are no longer our customer, we continue to share your information as 
described in this notice. However, you can contact us at any time to limit our sharing. 

QUESTIONS?

Call 800-889-5269 or go to 53.com.

WHO WE ARE

Who is providing this notice?

WHAT WE DO
How does Fifth Third protect my 
personal information?

How does Fifth Third collect my 
personal information?

To protect your personal information from unauthorized access and use, we 
use security measures that comply with federal law. These measures include 
computer safeguards and secured ﬁles and buildings.

We collect your personal information, for example, when you: 
• Open an account or apply for a loan
• Pay your bills or make a deposit
• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, 

7

Why can’t I limit all sharing?

What happens when I limit 
sharing for an account I hold 
jointly with someone else?

Federal law gives you the right to limit only:
• sharing for affiliates’ everyday business purposes–information about 
  your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to 
limit sharing. See below for more information on state laws. 

Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be financial and 
nonfinancial companies.
• Our affiliates include companies with a Fifth Third name; financial companies 
  such as an insurance agency or a leasing company.

Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
• Fifth Third does not share information with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together 
market financial products or services to you.
• Our joint marketing partners include but may not be limited to insurance companies.

OTHER IMPORTANT INFORMATION

Nevada law requires that we provide you with the following contact information: 

Fifth Third, Customer Service
Privacy Administration
P.O. Box 4444
Cincinnati, OH 45263-4444

Bureau of Consumer Protection, Office of the Nevada Attorney General
555 East Washington Street, Suite 3900
Las Vegas, NV 89101
Phone: 702-486-3132, Email: BCFINFO@ag.state.nv.us

CA, ND and VT residents: Accounts with mailing addresses in these states will be treated as if they have selected for 
us to not share your credit and personal financial information with other Fifth Third companies. For CA and VT 
residents, accounts with mailing addresses in these states will be treated as if they have selected for us not to share 
information under a joint marketing agreement as defined above. 

CUSTOMER IDENTIFICATION PROGRAM

In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that 
identifies each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit 
accounts, as well as trust, brokerage, insurance, and investment management accounts.

What This Means To Our Customers
When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth 
(if applicable), and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver’s license 
or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current 
customer of Fifth Third.

LIST OF AFFILIATES

Fifth Third Bank, an Ohio Banking Corporation
Fifth Third Insurance Agency, Inc.
Fifth Third Mortgage Company
Fifth Third Securities, Inc. Member FINRA/SIPC
Fifth Third Mortgage Insurance Reinsurance Co.

Fifth Third Equipment Finance Company
ClearArc Capital, Inc.
Vantiv, Inc. and Vantiv, LLC
SLK Global/BPO Services Pvt. Ltd.

Fifth Third Holdings, LLC
Fifth Third Mortgage-Michigan, LLC
Fifth Third Auto Leasing Trust
Vista Settlement Services, LLC
Card Management Company, LLC

Deposits and credit products provided by Fifth Third Bank. Member FDIC.       Equal Housing Lender.
Important Information About Credit Reporting
We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account 
may be reflected in your credit report.

Fifth Third Bank provides access to investments and investment services through various subsidiaries, including Fifth Third Securities. 
Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer and a registered 
investment advisor registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill 
or training. Securities and investments offered through Fifth Third Securities, Inc. and insurance products:

Are Not FDIC Insured

Offer No Bank Guarantee

May Lose Value

Are Not Insured By Any Federal Government Agency

Are Not A Deposit

Insurance products made available through Fifth Third Insurance Agency, Inc.

8

F03-S913-1 -1215

08/15

 
Fifth Third Preferred Card® Card Fees and Credit Disclosures

Interest Rates and Interest Charges

Annual 
Percentage 
Rate (APR) 
for Purchases 
and Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum  
Interest Charge

FEES

Annual Fees

• Annual Fee

Transaction Fees

•  Balance Transfer

•  Cash Advance

14.24% to 24.24%, when you open your account,
based on your credit worthiness. 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

The APR for Purchases and Balance Transfers is 14.24% to 24.24%, depending on your 
credit worthiness. The APR for Cash Advances is 24.99%. The APR for Penalty is 29.99%.

The Monthly Periodic Rate for Purchases and Balance Transfers is 1.1867% to 2.02%, 
depending  on  your  credit  worthiness.  The  Monthly  Periodic  Rate  for  Cash  Advances  is 
2.0825%. The Monthly Periodic Rate for Penalty is 2.4992%. 

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
is 10.74% to 20.74% depending on your credit worthiness. Your margins are the portions of 
your interest rates added to the Index value (WSJ Prime Rate) used to determine your APRs. 

Information  contained  in  this  Fifth  Third  Bank  Disclosure  is  accurate  as  of  1/7/2016  
and may have changed after that date. To obtain more recent information, please call us  
at 866-671-5353.

The WSJ Prime Rate means the prime rate published in the “Money Rates” section of 
the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
corresponding APR for Purchases will be applied to your existing Account balance and to 
subsequent transactions effective the first day of the Billing Cycle in which we determine 
the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
or decrease in your Monthly Periodic Rate and the APR, and as a result, the finance charge 
and the Minimum Amount Due will change and may result in a smaller part of your payment 
being applied to reduce principal.

Explanation  of  Balance  Subject  to  Interest  Charges:  We  figure  the  interest 
charge on your account by applying the periodic rate to the “average daily balance” of your 
account. To get the “average daily balance” we take the beginning balance of your account 
each day, add any new purchases, and subtract any payments or credits. This gives us the 
daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
by the number of days in the billing cycle. This gives us the “average daily balance.”

After that, this APR will vary with the market based on the  
WSJ Prime Rate.

24.99%

29.99%
This APR may be applied to your Account if you:
1) Make a late payment;
2) Make a payment that is returned;
3) Use a Convenience Check that is not honored.

How Long Will the Penalty APR Apply? If your APRs  
are increased because you are 60 days late, the Penalty APR  
will apply until you make six consecutive minimum payments  
when due. If your APRs are increased for other reasons listed 
above, the Penalty APR will apply for an indefinite period of time. 

Your due date is at least 21 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay 
your entire balance by the due date each month.

If you are charged interest, the charge will be no less than $1.00.

$79.00 The annual fee is waived:
1. The first year for all cardholders; and
2.  For Members of the Preferred Program (requires a  
combined account balance equal to or greater than 
$100,000) or Fifth Third Private Bank.

Either $5 or 4% of the amount of each transfer, whichever  
is greater.

Either $5 or 4% of the amount of each Cash Advance,  
whichever is greater.

•  Convenience Check

Either $5 or 4% of the amount of each check, whichever  
is greater.

•  International  
Transaction

Penalty Fees

•  Late Payment

None

Up to $35

•  Overlimit Coverage

Up to $25

9