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                    FIFTH THIRD BANK CARD AGREEMENT for MasterCard  DUO CARD
     DUOAGRE 654468                 Effective May 1, 2012
    This Agreement governs the terms and conditions of your Duo Card. You should retain and  Foreign Transaction: A Transaction that occurs or is submitted to us from outside the 
    carefully review this entire Agreement. You and we agree as follows: United States or in a foreign currency.
    We give this Agreement to our customers when they are approved for an Account, or when  International Transaction Fee: A fee imposed for each Transaction outside of the U.S. or 
    they request it. By obtaining a Card, opening an Account and making Transactions, you agree  in a foreign currency.
    to use the Card and Account only for personal, family or household purposes and to comply  MasterCard: MasterCard International.
    with this entire Agreement. Unless otherwise speci?ed, the words you, your and yours 
                                            Minimum Amount Due: The minimum amount you must pay by the Payment Due Date 
    mean anyone who applied to us for an Account and whose application we have approved, and 
                                              shown on the front of your Account Statement.
    who uses the Account with your permission. The words we, our, us and Fifth Third mean 
    Fifth Third Bank and its successors and assigns. Monthly Periodic Rate: The periodic rate that applies to certain Credit Transactions 
                                              calculated on a monthly basis.
    DEFINITIONS
                                            New Balance: The new balance on your Account shown on the front of your 
    AAA : The American Arbitration Association. Account Statement.
    AAA Rules: The AAA Rules and Procedures. Payment Address: The remittance address indicated on the front of your 
    Account: Unless the context provides otherwise, your credit card account that you can access  Account Statement.
      with your Duo Card.                   Payment Due Date: The date shown on the front of your Account Statement by which we 
    Account Statement: The periodic statement we mail to you in connection with  must receive payment for the Billing Cycle.
      your Account.                         PIN: Personal identi?cation number.
    Agreement: This Fifth Third Bank Card Agreement for MasterCard Duo Card. POS: Point of sale.
    Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations,  Purchase: A purchase or lease of goods or services made with your Card or your Account.
      licensing requirements, regulatory bulletins or guidance, regulatory examinations, 
                                            Ready Reserve: A feature of your Account whereby you may use your Account to cover 
      agreements or orders, (b) rule, regulation, restriction, requirement or contractual term of 
                                              overdrafts on a checking account for which you have requested and been approved for 
      MasterCard, and (c) judicial or administrative interpretations of any of the foregoing.
                                              Ready Reserve.
    APR: Annual percentage rate.
                                            Transaction: Any transaction made using your Card or Account, including any Credit 
    ATM: Automated teller machine.            Transaction and any Debit Transaction.
    Available Credit Limit: The difference between the balances you owe us and your Account  U.S.: United States.
      credit limit.
                                            WSJ Prime Rate: The highest prime rate published in the �Money Rates� section of the 
    Bank Account: Your savings or checking account that you maintain with us primarily for  online version of The Wall Street Journal.
      personal, household or family purposes and designate to be accessed by your Card and PIN.
                                            USE OF YOUR CARD
    Billing Cycle: Time periods we use to manage your Account; each Billing Cycle is 
      approximately one month long.         You may use your Card in two ways: (1) as a credit card to make purchases at participating 
    Business Day: Monday through Friday, excluding holidays. merchants and establishments where the Card is honored and to obtain Cash Advances (including 
                                            advances to cover overdrafts using Ready Reserve), and (2) as a debit card with a PIN at ATMs 
    Card: Unless the context provides otherwise, each Duo Card that we issue on your Account.
                                            and participating merchants and establishments where the Card is honored to access funds in 
    Cash Advance: A transaction in which you (a) use your Card to get a cash advance from an  your Bank Account.  A signature-based debit transaction is not available using the Card.  Any 
      ATM; (b) present your Card to any bank or other person that accepts the Card to get cash  transaction made using the Card and your signature will be a Credit Transaction. Any Transaction 
      or cash-like equivalents (for example, money orders, traveler�s checks or other payment  made by telephone or online where you have not entered your PIN will be a Credit Transaction.
      instruments) from your Account; (c) use a Convenience Check or access Ready Reserve, or 
                                            The portion of this Agreement entitled �Credit Card Services� governs your use of your Card 
      (d) use your Card or your Account number to make a person-to-person transfer conducted 
                                            as a credit card. The portion of this Agreement entitled �EFT Services� governs your use of the 
      through the Internet or otherwise. When you use your Card and PIN at an ATM to withdraw 
                                            Card with a PIN as a debit card accessing the funds in your Bank Account.
      cash, that cash withdrawal will not be considered a Cash Advance.
    Credit Transactions: A Purchase or Cash Advance or an advance using Ready Reserve to  CREDIT CARD SERVICES
      cover an overdraft on a checking account for which you have requested and been approved  HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
      for Ready Reserve.
                                            1. Credit Transactions, Purchases and Cash Advances. 
    Claim: Any claim, dispute or controversy between you and us arising from or relating to 
                                            You may use your Card and your Account to make a Purchase or obtain a Cash Advance by 
      this Agreement, any prior agreement that you may have had with us or the relationships 
                                            presenting your Card or your Account number to participating merchants and establishments 
      resulting from the Agreement or any prior agreement, including the validity, enforceability 
                                            where the Card is honored.  We will also treat as a Cash Advance any transaction using Ready 
      or scope of this provision, the Agreement or any prior agreement. Claim includes claims of 
                                            Reserve.  You may also use your Card to transfer balances from other creditors, to make other 
      every kind and nature, including but not limited to initial claims, counterclaims, cross-claims 
                                            transactions by means of balance transfer coupons or checks, or for any other transactions that 
      and third-party claims and claims based upon contract, tort, fraud and other intentional 
                                            we encourage you to make through an introductory or promotional offer, in accordance with 
      torts, statute, common law and equity. The term Claim is to be given the broadest possible 
                                            the additional terms and conditions that we may offer from time to time. Unless we tell you 
      meaning and includes, by way of example and without limitation, any claim, dispute or 
                                            otherwise, we will also treat any such balance transfer or other transaction as a Purchase.
      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  You agree that any debt incurred using your Card or your Account is valid, regardless of the 
      Reserve feature, (d) advertisements, promotions or oral or written statements related to the  purpose of the Transaction.
      Card, the Account or the terms of ?nancing, and (e) your use of the Card and the Account. Purchases from a merchant that are directly convertible to cash (sometimes called �quasi-cash� 
    Convenience Check: A check that may be used to access your Account. 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 
    Credit Insurance/Debt Protection Plan: An optional credit insurance and/or debt 
                                            your Card or your Account for any illegal transaction or any gambling transaction. We reserve 
     protection product that may be made available to you for purchase.
                                            the right to decline any such transaction without notice.
    Current Billing Cycle: A Billing Cycle that just ended.
                                            Unless prohibited by Applicable Law, we may, from time to time, limit the type, number and 
    Debit Transaction: A transaction made using the Card and your PIN that accesses the funds  dollar amounts of any Transactions, even if you have suf?cient available credit. We may also 
     in your Bank Account.                  terminate or suspend your use of your Account and Card and access to your Account without 
    EFT: Electronic funds transfer.         notice unless prohibited by Applicable Law.
    FAA: Federal Arbitration Act.
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    2. Credit Limit.                        PAYING YOUR BILLS
    We may establish an Account credit limit. You agree not to let the sum of all Credit Transactions 
                                            7. Periodic Account Statements. 
    posted to your Account, plus any ?nance charges, fees and other charges provided for in this 
                                            Except as otherwise stated in this Agreement, we will send you an Account Statement. Unless 
    Agreement, exceed your Account credit limit as communicated to you from time to time. Your 
                                            you make other arrangements with us, your Account Statement will be mailed to you by 
    initial Account credit limit will be disclosed in the document that accompanies your Card. Your 
                                            regular mail to your address as it appears on our records. We will send your Account Statement 
    Account Statement may also show that only part of your Account credit limit may be used for 
                                            for each Billing Cycle at the end of which your Account has a debit or credit balance in excess 
    Cash Advances. Cash Advances, including Convenience Checks and Ready Reserve transactions, 
                                            of $1.00 or on which a ?nance charge has been imposed. Generally, you will receive 12 
    are charged against your Cash Advance credit limit. Unless we inform you otherwise, your Cash 
                                            Account Statements each year your Account is open.
    Advance credit limit will be up to 50% of your total Account credit limit.
                                            We will not send your Account Statement if (a) we deem your Account uncollectible,  
    We may refuse to authorize or accept any Transaction on your Account or Card that would cause 
                                            (b) delinquency collection proceedings have been instituted, or (c) for any other reason 
    you to exceed your Available Credit Limit. If we, in our sole discretion, decide to authorize or 
                                            permitted by Applicable Law.
    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  8. Payments. 
    from your Account the amount of the Transaction and other related fees provided for in this  Your payment is due on or before the Payment Due Date shown on your Account Statement. 
    Agreement. We may also request that you immediately repay us the amount in excess of your  You must pay at least the Minimum Amount Due shown on your Account Statement on a 
    Available Credit Limit, suspend your Account or Card privileges and terminate this Agreement. monthly basis, which will be the greatest of (a) 2% of the New Balance, (b) 0.5% of the New 
                                            Balance plus total billed ?nance charges and any fees, or (c) $35.00. Any New Balance less 
    3. Convenience Checks. 
                                            than $35 is payable in full. The Minimum Amount Due shown on your Account Statement will 
    We may issue Convenience Checks to you, which may be used to access your Account. We 
                                            also include any amount past due and any amount by which your Account exceeds its credit 
    will treat any Convenience Check issued to you that we pay as a Cash Advance (except for 
                                            limit.  You agree to make all payments by check or other negotiable instrument drawn on a 
    a Convenience Check issued to you as part of a promotional offer which, unless we tell you 
                                            U.S. branch of a ?nancial institution located in the U.S. or by money order. Payments must be 
    otherwise, will be treated as a Purchase), and we will deduct the amount of the Convenience 
                                            denominated in U.S. dollars.
    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  All payments submitted by mail, except disputed payments, must be mailed or delivered to us 
    provide you with Convenience Checks for your Account, you may not use them to pay any amount  at the Payment Address. Any payments received after 5:00 p.m. Eastern Time on any Business 
    you owe on your Account. You may not request, and we will not honor, a stop payment on any  Day will be credited on the next Business Day. Credit to your Account may be delayed for up to 
    Convenience Check. We reserve the right to return any Convenience Check unpaid if (a) the  5 days if the payment is (a) not received at the Payment Address, (b) not made in U.S. dollars 
    amount of the Convenience Check exceeds your Cash Advance credit limit; (b) your Account is not  drawn on a U.S. branch of a ?nancial institution located in the U.S. or by money order, or (c) 
    in good standing or you are otherwise in default of this Agreement; (c) your Card or Convenience  not accompanied by the top portion of your Account Statement. Delayed crediting may cause 
    Checks have been reported lost or stolen or your Account may have been subject to unauthorized  you to incur additional fees and ?nance charges. (You understand that payments submitted by 
    use; (d) you use a Convenience Check to pay any amount you owe on your Account; or (e) for  mail may not be made, and may not be deemed received by us, at any location other than the 
    any other reason. We will not be liable if we choose to return any Convenience Check unpaid. Payment Address.) All credits for payments to your Account are subject to ?nal payment by the 
                                            institution on which the item of payment was drawn.
    LOST CARDS, UNAUTHORIZED USE OF 
                                            Although we may post payments as of the date we receive them, your Available Credit Limit 
    ACCOUNT OR CARD AND OTHER CONCERNS      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 
    4. Unauthorized Use of Your Account or Card. 
                                            to have on deposit in that account on the Payment Due Date available funds equal to the 
    If you notice the loss or theft of your Card or a possible unauthorized use of your Card or 
                                            Minimum Amount Due.  Payments on your Account that exceed the Minimum Amount Due will 
    Account, you should write to us immediately at: Fifth Third Bank, MD 1MOC2G, 38 Fountain 
                                            be allocated ?rst to the Account balance with the highest APR, and then to each consecutive 
    Square Plaza, Cincinnati, Ohio 45263 or call us at: 1-800-782-0279. We may still require you 
                                            Account balance bearing the next highest APR, at the time payment is posted to your Account.  
    to provide notice in writing.
                                            Payments on your Account that do not exceed the Minimum Amount Due will be applied in the 
    YOU SHOULD NEVER WRITE YOUR PIN ON YOUR CARD OR KEEP ANY WRITTEN RECORD OF  following order: ?nance charges, fees, any applicable installment balance minimum amount 
    YOUR PIN ON ANY MATERIAL THAT IS KEPT WITH YOUR CARD. If there is any loss, theft or  due that is calculated separately from the Minimum Amount Due, the Account balance with the 
    possible unauthorized use of your Account or Card, we may require you to provide us information  lowest APR, then to each consecutive Account balance bearing the next lowest APR at the time 
    in writing or other assistance to help us ?nd out what happened. We may also require you  payment is posted to your Account.
    to comply with certain procedures in connection with our investigation. Unless prohibited by 
                                            We may, in our sole discretion, offer you the ability to make your payments on an expedited 
    Applicable Law, we will deem any such use as having been authorized by you, and you will 
                                            basis. When you authorize us to process an expedited payment to your Account, we may 
    be liable for the amount of any Transactions plus ?nance charges and fees and other charges 
                                            charge you a fee. The amount of the fee will be disclosed to you at the time of the payment.
    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  We are not responsible if your ?nancial institution dishonors an expedited payment for any 
    Card or your Account by any person you have authorized to use your Card or Account. reason, and we will retain the fee in those circumstances.
    5. Limitation of Your Liability for Unauthorized Use of Your Account  9. Prepayment. 
    You will not be liable for any unauthorized use of your Account that occurs after you notify us.  You may pay without penalty any portion of the entire New Balance or more than your 
    You may, however, be liable for unauthorized use that occurs before your notice to us. In any  Minimum Amount Due before the Payment Due Date. You understand that by making 
    case, your liability for unauthorized use of your Account will not exceed $50.  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 re?ected in your Account Statement.
    Under MasterCard�s zero liability policy, you will have no liability for unauthorized purchases 
    made using your Card and Account provided the following preconditions are met: (a) your  DETERMINATION OF FINANCE CHARGES
    Account is in good standing, (b) you have exercised reasonable care in safeguarding your 
                                            10. Monthly Periodic Rate. 
    Card from any unauthorized use (unauthorized use means that you did not provide, directly, 
                                            We determine the Monthly Periodic Rate by dividing the applicable APR by 12.
    by implication or otherwise, the right to use your Card and you received no bene?t from the 
    unauthorized purchase); and (c) you have not reported two or more unauthorized events in the  11. Minimum Finance Charge. 
    past 12 months.  MasterCard�s zero liability policy does not apply if a PIN for a debit transaction 
                                            If you incur ?nance charges in any Billing Cycle that total less than $1.00, the ?nance charge 
    is used for the unauthorized purchase and does not apply to MasterCard-branded cards issued 
                                            that will be charged to your Account is $1.00.
    for commercial, business or agricultural purposes, except for MasterCard commercial cards 
    used for small businesses as listed on www.mastercardbusiness.com. MasterCard�s policies are  12. APR.
    subject to change. Visit MasterCard�s Zero Liability link at www.mastercard.com/zeroliability. (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 
    6. Third-Party Claims or Defenses. 
                                            Advances in effect when your Account is opened. 
    We are not responsible if a third party refuses to accept or honor your Card or Account, even 
                                            (b) Variable APR for Purchases. If the APR for Purchases is a variable rate based on the WSJ 
    if you have suf?cient available credit. Except as required by Applicable Law, we will not be 
                                            Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable margin 
    responsible for any claim or defense you may have against any third party that arises out of or 
                                            for those Transactions to the WSJ Prime Rate. (A �margin� is the percentage we add to the 
    in connection with any Transaction with your Account or Card or any services or goods or other 
                                            WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), but will not 
    property purchased or leased using your Account or Card.
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    exceed 24.99% (corresponding Monthly Periodic Rate of 2.0825%). Any increase or decrease  balance for each type of Transaction is considered to be $0 for any day on which those portions 
    in the WSJ Prime Rate will result in an increase or decrease in your Monthly Periodic Rate and  of your Account have a credit balance. Then, we add all of the daily balances for the Current 
    the APR, and as a result, the ?nance charge and the Minimum Amount Due will change and may  Billing Cycle and divide the total by the number of days in the Current Billing Cycle. This gives 
    result in a smaller part of your payment being applied to reduce principal. We determine the  us an average daily balance of each type of Transaction for your Current Billing Cycle. 
    WSJ Prime Rate two days prior to the closing date of your Billing Cycle. Changes to the Monthly  (b) Finance Charges. No ?nance charges (other than International Transaction Fees) will be 
    Periodic Rate and corresponding APR for Purchases will be applied to your existing Account  imposed on Purchases if you pay in full the New Balance shown on the Account Statement 
    balance and to subsequent Transactions effective as of the ?rst day of the Billing Cycle in which  for your Current Billing Cycle by the Payment Due Date. If you have not done so, a ?nance 
    we determine the interest rate. If The Wall Street Journal does not publish the prime rate, or if it  charge will accrue from the transaction date on Purchases at the applicable APR for Purchases 
    changes the de?nition of prime rate, we may, at our sole discretion, substitute another index. until the date payment in full is posted to your Account. A ?nance charge will be imposed on 
    (c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic  Cash Advances from the Transaction date and included in the average daily balance of Cash 
    Rate and corresponding APR for Purchases and Cash Advances if you are in default of this  Advances at the applicable APR for Cash Advances until the date payment in full is posted to 
    Agreement, or if we, in our sole discretion and from time to time, decide to take such action.  your Account. There is no grace period or time period within which to pay and avoid a ?nance 
    (Please see the sections of this Agreement entitled �Penalty APR for Payments Late by 60  charge on Cash Advances. The total ?nance charge for a Billing Cycle is the sum of the ?nance 
    Days or More,� �Penalty APR for Other Default,� �Changes to this Agreement� and �Default.�) charges for Purchases and Cash Advances. To compute the periodic rate portion of ?nance 
                                            charges for your Current Billing Cycle, we multiply the average daily balance of each type of 
    (d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we 
                                            your Transactions in the Current Billing Cycle by the applicable Monthly Periodic Rates for that 
    may offer you an introductory or promotional APR for all or a part of your Transactions. For 
                                            cycle. Fees for Cash Advances and International Transactions, if any, are added to and included 
    example, we may offer you a promotional APR to encourage speci?c transactions, such as 
                                            in the total ?nance charges for your Current Billing Cycle.
    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  14. Credit Card Fees.
    applies may be limited. Any introductory or promotional APR offer will be subject to the terms  Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    of the offer and this Agreement. If applicable, we will disclose information regarding any  charge in the form of a balance transfer fee equal to the greater of $5 or 4% of the total 
    introductory or promotional APRs and the period of time during which they are in effect in the  dollar amount of the balance you are transferring from another account to your Account. 
    document that accompanies your Card or in materials we send you about the offer after you 
                                            Annual Fee. Your Card currently does not have an annual fee.  
    obtain your Card. If (i) we receive a Minimum Amount Due after its Payment Due Date; (ii) 
                                            Cash Advance Fee. We will assess a ?nance charge in the form of a Cash Advance fee 
    your total outstanding balance exceeds your Account credit limit on the closing date of a Billing 
                                            equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance 
    Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used 
                                            on your Account.
    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  Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
    Convenience Check used to access your Account is not honored for any reason, we may adjust  Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
    the APR to the APR then in effect or the penalty APR, as applicable. 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 
    (e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we reserve 
                                            for the Billing Cycle for which your payment was late.
    the right to increase the APR to 24.99% (corresponding Monthly Periodic Rate of 2.0825%) 
    on all new and outstanding Account balances each time we do not receive at least the  International Transaction Fee. There is a ?nance charge in the form of a transaction 
    Minimum Amount Due within 60 days of its Payment Due Date, including when we do not  fee equal to 3% of the U.S. dollar amount of each Foreign Transaction. This fee will be in 
    receive the Minimum Amount Due because a check, similar instrument or electronic payment  addition to any other applicable transaction fees.
    order that we receive as payment on your Account has been returned to us unpaid for any  Convenience Check Fee. Unless your offer indicates otherwise, we will assess a ?nance 
    reason, or we must return a check or other instrument because it is not signed or is otherwise  charge in the form of a convenience check fee equal to the greater of $5 or 4% of the total 
    incomplete. Once you become subject to this penalty APR, we may change your APR for  dollar amount of each convenience check used.
    outstanding balances back to the respective APRs in effect for your Account (not including any 
                                            We may institute a standard charge or charges for the issuance, reissuance or use of the Card or 
    promotional APR), but only if you bring your Account current and then, for six (6) consecutive 
                                            for the reinstatement of any Card or Account privileges which have been suspended, as well as an 
    Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other 
                                            annual fee and per item fee for each Transaction, and you agree to pay us such charges and fees.
    variable or ?xed APR that would otherwise apply to new and outstanding Account balances will 
    change to this penalty APR.             15. Foreign Currency Transactions. 
    (f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to  If a Transaction is made in a foreign currency, we and MasterCard will convert the Transaction 
    increase the APR to 24.99% (corresponding Monthly Periodic Rate of 2.0825%) on all new  into a U.S. dollar amount. MasterCard will act in accordance with its operating regulations 
    Transactions on your Account that occur more than 14 days after we send you notice of the  or conversion procedures in effect at the time the Transaction is processed. Currently, its 
    increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date  regulations and procedures provide that the currency conversion rate used is either: (1) a 
    but before 60 days after its Payment Due Date; (ii) your total outstanding balance exceeds  wholesale market rate, or (2) a government-mandated rate in effect one day prior to the 
    your Account credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar  processing date. The currency conversion rate calculated in this manner that is in effect on the 
    instrument or electronic payment order that you have used for payment on your Account has  processing date may differ from the rate in effect on the transaction date or the posting date.
    been returned to us unpaid for any reason, (B) we must return a check or other instrument 
                                            16. Billing Errors. 
    because it is not signed or is otherwise incomplete, or (C) a Convenience Check used to access 
                                            A statement of your right to dispute billing errors appears below.
    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  YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE
    promotional APR), but only if you bring your Account current (if applicable), and then for six 
                                            This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
    (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 ?xed APR that would  What To Do If You Find a Mistake on Your Statement. If you think there is an error on 
    otherwise apply to new Account balances will change to this penalty APR. your statement, write to us at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, 
                                            Cincinnati, Ohio 45263.
    13. Balance Subject to Finance Charge and Finance Charges. 
                                            In your letter, give us the following information:
    (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  � Account Information: Your name and Account number.
    computing the average daily balance for Purchases. We will treat Cash Advance fees as Cash  � Dollar amount: The dollar amount of the suspected error.
    Advances for the purpose of computing the average daily balance for Cash Advances. We 
                                            �  Description of Problem: If you think there is an error on your bill, describe what you believe is 
    calculate the balances of Purchases that are subject to a ?nance charge separately, based on 
                                             wrong and why you believe it is a mistake.
    the average daily balance of those Purchases in the Current Billing Cycle. We calculate the 
                                            You must contact us:
    balance of Cash Advances that is subject to a ?nance charge separately, based on the average 
    daily balance of those Cash Advances in the Current Billing Cycle. To determine the average  � Within 60 days after the error appeared on your statement.
    daily balance for each type of Transaction (that is, Purchases and Cash Advances) during the  � At least 3 Business Days before an automated payment is scheduled, if you want to stop 
    Current Billing Cycle, we take the beginning balance of each type of Transaction each day, add  payment on the amount you think is wrong.
    any new Transactions of that type, and subtract any payments or credits applied to that type 
                                            You must notify us of any potential errors in writing. You may call us, but if you do, we are not 
    of Transaction that day. This gives us the daily balance for that type of Transaction. The daily 
                                            required to investigate any potential errors and you may have to pay the amount in question. 
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    What Will Happen After We Receive Your Letter. remove that person�s ability to use your Account or Card, you must notify us in writing. This 
    When we receive your letter, we must do two things: notice will not be effective until we receive and have had a reasonable opportunity to act on it.
    1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We  OUR RIGHTS AND HOW THEY AFFECT YOU
     will also tell you if we have already corrected the error. 
                                            20. Delays in Enforcement. 
    2.  Within 90 days of receiving your letter, we must either correct the error or explain to you 
                                            We can delay enforcing or not enforce any of our rights under this Agreement without losing 
     why we believe the bill is correct.
                                            our right to enforce them in the future. For example, we may accept late payments or 
    While we investigate whether or not there has been an error: payments that are marked �payment in full� or with other restrictive endorsements without 
    �  We cannot try to collect the amount in question, or report you as delinquent on that amount. losing any of our rights under this Agreement.
    �  The charge in question may remain on your statement, and we may continue to charge you  21. Termination. 
     interest on that amount.               Subject to Applicable Law, we may terminate this Agreement or revoke your right to use your 
    �  While you do not have to pay the amount in question, you are responsible for the remainder  Account or Card, along with your right to make future Transactions, at any time and for any 
     of your balance.                       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 1-800-972-3030, 
    �  We can apply any unpaid amount against your credit limit.
                                            or writing to us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, 
    After we ?nish our investigation, one of two things will happen: Ohio 45263. Any request to terminate your Account will be effective after we have had a 
    �  If we made a mistake: You will not have to pay the amount in question or any interest or  reasonable opportunity to act on such request. The termination of this Agreement, whether 
     other fees related to that amount.     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, 
    �  If we do not believe there was a mistake: You will have to pay the amount in question, 
                                            even if we allow a Transaction to be completed with your Account or Card after this Agreement 
     along with applicable interest and fees. We will send you a statement of the amount you 
                                            has been terminated. You agree to give to us or to destroy all of the Cards issued on your 
     owe and the date payment is due. We may then report you as delinquent if you do not pay 
                                            Account when we ask you to or when this Agreement is terminated. If someone attempts to 
     the amount we think you owe.
                                            use a Card after this Agreement is terminated, the Card may be retained. A Card also may be 
    If you receive our explanation but still believe your bill is wrong, you must write to us within 
                                            retained when you try to use it when certain other events occur.
    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  22. Default. 
    to whom we reported you as delinquent, and we must let those organizations know when the  Subject to Applicable Law, your Account will be in default under this Agreement if any one 
    matter has been settled between us.     of the following occurs: (a) you become generally unable to pay your debts, (b) you die 
    If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the amount  or are declared legally incompetent, (c) you use a check or instrument for payment that is 
    you question, even if your bill is correct. 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, 
    Your Rights If You Are Dissatis?ed With Your Credit Card Purchase. If you are dissatis?ed with 
                                            (f) a petition is ?led or other proceeding is commenced by or against you under the federal 
    the goods or services that you have purchased with your Card and Account, and you have tried 
                                            bankruptcy act or any other applicable federal or state insolvency laws, (g) you provide us 
    in good faith to correct the problem with the merchant, you may have the right not to pay the 
                                            with any false or misleading information, (h) you breach any of your other obligations under 
    remaining amount due on the Purchase. To use this right, all of the following must be true:
                                            this Agreement, (i) you exceed your Account credit limit, (j) you are in default of any other 
    1.  The Purchase must have been made in your home state or within 100 miles of your current  credit agreement you have with us or any of our af?liates, or (k) we believe in good faith that 
     mailing address, and the Purchase price must have been more than $50. (Note: Neither of  you may not pay or perform your obligations under this Agreement. The payment of any fee 
     these are necessary if your purchase was based on an advertisement we mailed to you, or if  charged by us will not cure the default that caused the fee.
     we own the company that sold you the goods or services.)
                                            23. Our Additional Rights When You Are in Default. 
    2.  You must have used your Card for the Purchase without the PIN access. Purchases made 
                                            If your Account is in default under this Agreement, we may, subject to Applicable Law,  
     with Cash Advances from an ATM or made using your PIN do not qualify.
                                            (a) require you to pay any portion of your outstanding Account balance immediately,  
    3.  You must not yet have fully paid for the Purchase. (b) allow you to repay your Account subject to the terms and conditions of this Agreement,  
     If all of the criteria above are met and you are still dissatis?ed with the Purchase, contact us in  (c) immediately terminate your Account and cancel all Cards, (d) reduce your Account credit 
    writing at: Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, Cincinnati, Ohio 45263. 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 
    While we investigate, the same rules apply to the disputed amount as discussed above.
                                            with this Agreement, or (f) increase the APR for Purchases and Cash Advances. We also may 
    After we ?nish our investigation, we will tell you our decision. At that point, if we think you 
                                            charge you court costs and reasonable attorneys� fees that we actually incur, as permitted 
    owe us an amount and you do not pay, we may report you as delinquent.
                                            by Applicable Law, if your Account is sent for collection to an attorney who is not our salaried 
    GENERAL PROVISIONS                      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 
    17. Accepting this Agreement.
                                            to make Transactions as discussed in this Agreement. Except as otherwise provided for in this 
    This Agreement will be effective on either the date you sign or otherwise submit an application  Agreement, ?nance charges will continue to accrue at the APR in effect at the time of default 
    for the Account that we approve or the date you use, or someone you authorized uses, the  until your total Account balance, including such accrued ?nance charges, is paid in full. You 
    Card or the Account, whichever is earlier. You agree that by using the Account or the Card,  agree that, subject to Applicable Law, if your Account is in default under this Agreement, 
    signing a Card application or other Account document or otherwise accepting the Account or the  you will accept calls from us at your home and your place of business regarding collection of 
    Card, you accept the terms and conditions of this Agreement. 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 
    18. Promise to Pay.
                                            �unsolicited� calls or telemarketing calls for purposes of state or federal law.
    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, ?nance charges or other charges. 24. Reevaluation of Financial Condition and Credit History. 
    If this is a joint Account, each of you, together and individually, is responsible for all amounts  We may reevaluate your ?nancial condition and investigate any information you provided on 
    owed, even if only one of you uses the Card or Account. 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 ?nancial condition by completing a 
    19. Your Responsibility. 
                                            Personal Financial Statement or such other form that we request from time to time. You give 
    You are responsible for all Transactions and other amounts posted to your Account arising from  us your permission to obtain any information about you that we believe would be bene?cial 
    the authorized use of your Account or Card. If you have authorized another person to use  to facilitate our determination of your eligibility for the Account and the Card, including credit 
    your Account or Card in any way, we will deem your authorization to include the authorization  reports from consumer reporting agencies. We may, as a result of any such re-evaluation, deem 
    to make Transactions of any kind using your Account or Card and to incur related fees and  your Account to be in default.
    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  25. Telephone Monitoring and Recording. 
    whom you have asked us to add to your Account or someone you let use your Account or  You acknowledge that your telephone calls and other communications you provide to us may 
    Card. You should think carefully before allowing anyone to become an authorized user on your  be monitored and recorded for training and quality control purposes. You agree that we may 
    Account because you are allowing that person to use the Account as you can. If you wish to  monitor, record, retain and reproduce your telephone calls and any other communications 
                                           4
    you provide to us, regardless of how transmitted to us, as evidence of your authorization to  prior notices we have sent you regardless of whether you have access to your Card or Account. 
    act in connection with any Transaction, your Account or other service contemplated by this  If you reject a change that we make, we will close your Account. No change to any term of this 
    Agreement. We will not be liable for any losses or damages that are incurred as a result  Agreement will affect your obligation to pay all amounts you owe under this Agreement.
    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. 28. Waiver of Rights. 
                                            Except as may be prohibited by Applicable Law, you agree to waive any right you may have 
    26. Arbitration. 
                                            for us to act promptly in bringing any action(s) against you (known as diligence); to demand 
    You and we each agree that any Claim will be arbitrated instead of litigated in court under the  payments of amounts due (known as presentment); to obtain an of?cial certi?cation of non-
    circumstances and procedures set forth below. Any Claim will be resolved upon the election of  payment (known as protest); and to give notice that amounts due will not be paid (known as 
    arbitration by you or us pursuant to this provision and the AAA Rules in effect at the time the  notice of dishonor or notice of default and non-payment).
    Claim is ?led. (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  29. Change of Address. 
    procedures will be substituted by us.) With respect to Claims covered by this provision, a party  We will rely on the address we have for you in our records for any Account communications 
    who has asserted a Claim in a lawsuit in court may elect arbitration with respect to any Claim  we send to you unless and until either you or the U.S. Postal Service noti?es us of a change of 
    subsequently asserted in that lawsuit by any other party or parties. address and we have had a reasonable opportunity to act on such notice. If your Account is a 
    IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR  joint Account, each of you appoints the other as your agent to designate the address to which 
    WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT  any and all Account communications, including the Account Statement, may be sent to you.
    CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA 
                                            30. Correspondence. 
    RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR 
                                            To the extent permitted by Applicable Law, any communication you send to us will not 
    MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION.
                                            be effective until we receive it and have had a reasonable opportunity to act on it. Any 
    EXCEPT AS SET FORTH BELOW, THE ARBITRATOR�S DECISION WILL BE FINAL AND BINDING. 
                                            communication we send to you will, however, be effective and deemed delivered when mailed 
    NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT 
                                            to you at your address as it appears on our records.
    BE AVAILABLE IN ARBITRATION.
    The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by  31. Assignment. 
    visiting the AAA�s Web site at www.adr.org. All Claims must be ?led at any AAA of?ce. 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 
    There will be no authority for any Claims to be arbitrated on a class action basis. Any arbitration 
                                            due thereunder, and our rights and obligations under this Agreement to another entity without 
    hearing that you attend will take place in the federal judicial district in which you reside. At 
                                            your consent and without prior notice. That entity will take our place in this Agreement.
    your written request, we will temporarily advance up to $500 towards the ?ling, administrative 
    and/or hearing fees for any Claim that you may ?le against us after you have paid an amount 
                                            32. Severability. 
    equivalent to the fee, if any, for ?ling such a Claim in state or federal court (whichever is less) 
                                            If any provision of this Agreement is deemed to be void or unenforceable by a court of 
    in the judicial district in which you reside. At the conclusion of the arbitration, the arbitrator will 
                                            competent jurisdiction, or any governmental agency, that provision will continue to be 
    decide who will ultimately be responsible for paying the ?ling, administrative and/or hearing 
                                            enforceable to the extent permitted by that court or agency, and the remainder of that 
    fees in connection with the arbitration. Unless inconsistent with Applicable Law, each party will 
                                            provision will no longer be considered as part of this Agreement. All other provisions of this 
    bear the expense of that party�s attorneys�, experts� and witness fees, regardless of which 
                                            Agreement will, however, remain in full force and effect.
    party prevails in the arbitration.
    This provision is made pursuant to a transaction involving interstate commerce and will be  33. Governing Law. 
    governed by the FAA, 9 U. S. C. �� 1 et seq., as amended. The arbitrator will apply applicable  This Agreement is entered into between you and us in the State of Ohio, and your Card, 
    substantive law consistent with the FAA and applicable statutes of limitations and will honor  Account and this Agreement, and any claim, dispute or controversy arising from or relating 
    claims of privilege recognized at law. Judgment upon the award rendered by the arbitrator  to your Card, Account or this Agreement, whether based in contract, tort, fraud or otherwise 
    may be entered in any court having jurisdiction. The arbitrator�s decision will be ?nal and  and regardless of the place where you live, is governed by, and construed in accordance 
    binding, except for any right of appeal provided by the FAA and except that, if the amount  with, the laws of the State of Ohio, without regard to Ohio�s con?ict of laws principles, and 
    in controversy exceeds $100,000, any party can appeal the award to a three-arbitrator  applicable federal laws and regulations. The legality, enforceability and interpretation of this 
    panel administered by the AAA, which will reconsider de novo any aspect of the initial award  Agreement and the amounts contracted for under this Agreement also are governed by Ohio 
    requested by the appealing party. The decision of the panel will be by majority vote. The  law and applicable provisions of federal law, and all amounts granted under this Agreement are 
    costs of such an appeal will be borne by the appealing party regardless of the outcome of the  extended from the State of Ohio.
    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, af?liates, predecessors,  34. Entire Agreement. 
    successors and assigns, and all of their independent contractors, agents, employees, directors  You acknowledge that this Agreement, as amended from time to time, and the documents 
    and representatives.                    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 
    This provision will survive termination of your Account, as well as the repayment of all 
                                            evidence of any prior or contemporaneous written or oral communications and understandings 
    outstanding amounts incurred in connection with this Agreement. If any portion of this provision 
                                            between you and us concerning the Card and Account. Neither you nor we intend that 
    is deemed invalid or unenforceable under any law or statute consistent with the FAA, it will not 
                                            anything in this Agreement should result in the assessment of fees or charges in excess of 
    invalidate the remaining portions of this arbitration provision or the Agreement. In the event of 
                                            those permitted by Applicable Law. If any fee or charge assessed under this Agreement is 
    a con?ict or inconsistency between the AAA Rules and this arbitration provision, this provision 
                                            ?nally determined to be in excess of that permitted by Applicable Law, the excess amount 
    will govern.
                                            will be applied to reduce the outstanding balance in your Account or, if there is no outstanding 
    27. Changes to this Agreement.          balance, will be refunded to you. You agree that any documentation provided to you that 
    Subject to Applicable Law, we can change this Agreement at any time, regardless of whether  indicates that a Transaction was made shall be admissible as evidence of such Transaction and 
    you have access to your Card or Account, by adding, deleting or modifying any provision  shall be proof that such transaction or transfer was made.
    (including increasing any rate of ?nance charge, increasing or adding fees or charges (including 
                                            35. Questions. 
    annual fees), changing the method of computing balances subject to ?nance charge, changing 
                                            If you have any questions about this Agreement or your Card or Account, please contact  
    your Account credit limit, changing the date upon which ?nance charges begin to accrue, 
                                            us at 1-800-972-3030.
    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 
                                            36. Section Headings. 
    Applicable Law to provide you with advance written notice of the proposed changes. If this is 
                                            The Section headings used in this Agreement are only meant to organize this Agreement,  
    the case, those changes will be effective immediately following the effective date stated in 
                                            and do not in any way limit or de?ne your or our rights or obligations hereunder.
    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 con?rm all terms of your Agreement and all changes in 
                                           5
    READY RESERVE                                            �  Internet Banking � transfers of funds or bill payments from your savings account 
                                                  to third parties or to other deposit accounts at Fifth Third.
    37. Ready Reserve. 
                                                             �  Preauthorized ACH or electronic transfers.
    If you have applied and been approved for the Ready Reserve feature of your Account, you can 
                                                             �  Fifth Third Telephone Banking or any money management payments  
    authorize automatic transfers from your Account into any checking account for which you have 
                                                  from your savings account.
    requested and been approved for Ready Reserve, in order to cover an overdraft on such account 
    and any applicable service charge. If you overdraw such a checking account with us on any                   �  Point-of-sale transactions with a debit card.
    day, we may charge your Account for a Cash Advance in an amount equal to the overdrawn                   �  Checks or drafts payable to third parties.
    amount or $50, whichever is greater, in order to eliminate the overdraft, together with any 
                                            (e)  Noti?cation of Excessive Transfers and Fee: We will send you notice after the ?rst and second 
    applicable fees and service charges.
                                              month of excessive withdrawals or transfers. After three instances of exceeding the allowable 
    EFT SERVICES                              number of withdrawals or transfers, your savings account may be closed and funds placed 
                                              in a checking account, or you may be offered other options to eliminate future excessive 
    HOW TO ACCESS YOUR BANK ACCOUNT USING YOUR CARD transfers, including but not limited to, removal of the savings account�s transfer and draft 
                                              capabilities. A fee of $5 will be assessed for each preauthorized or automatic withdrawal or 
    38. Use of Card for EFT Services.         transfer over six per statement cycle (not applicable to Goal Setter Savings or ETA).
    You may use your Card as an ATM or debit card by entering your PIN to access the funds in 
                                            (f)  For security reasons, there are limits on the amount of cash withdrawals from your  
    your Bank Account.  Debit Transactions initiated with your Card and your PIN will appear on the 
                                               Bank Account that may be made from Fifth Third ATMs or other ATMs.
    statement we send you for your Bank Account (while Credit Transactions will appear on your 
    Account Statement).                     (g) There are limits on the amount of cash you may withdraw or transfer immediately after 
                                               you make a deposit.
    If you use your Card with your PIN, the following additional terms and conditions apply and are 
    provided to you in accordance with the requirements of federal law. (h)  You may place a stop payment order on a preauthorized EFT from your Account by 
                                              notifying us orally or in writing at least three (3) Business Days before the scheduled date 
    39. ATM Transaction Charges.              of the transfer.
    Your Bank Account, your Account or any other deposit or line of credit account that you are  (i)  Once you have placed a stop payment order on a preauthorized transfer, we will not  
    accessing may be subject to charges when using an ATM that does not display the Fifth Third   make any more preauthorized transfers to the person or company that you were going  
    logo.  Also, when you use an ATM not owned by us, you may be charged a fee by the ATM   to pay until we receive a new written authorization from you.
    operator or any network used (and you may be charged a fee for a balance inquiry even if you 
                                            (j)  No deposits or withdrawals may be made to or from a dormant deposit account through 
    do not complete a fund transfer).
                                               Fifth Third ATMs or other ATMs.
    40. Types of EFTs.                      (k)  For security reasons, there may be other limits on the number and amount of transactions 
    If you use your Card and your PIN, you may: you can make using the Jeanie system.
    (a) withdraw cash from your Bank Account; (l)  The Card carries daily limits on the dollar amount of purchases made with the Card and PIN 
    (b) obtain a Cash Advance from your Account; and cash withdrawals you can make. Daily limits are assigned for your protection.  There 
                                              is a $510 daily limit on cash withdrawals at ATMs and a $4000 daily limit on purchases 
    (c)  make deposits to your Bank Account (note: Money Station ATMs will not accept deposits 
                                              made with the Card and PIN. To ?nd more information on your daily limits or to request a 
      greater than $10,000. We reserve the right to reject deposits in excess of $10,000 at any 
                                              change to your speci?c limits, please contact Customer Service at 1-800-972-3030 or visit 
      ATM displaying the Jeanie logo);
                                              your local Fifth Third Banking Center.  We may in our sole discretion decide not to make 
    (d) transfer funds between your checking, savings, or line of credit accounts; any change to your speci?c limits.
    (e)  pay bills directly from your Bank Account to parties that have been identi?ed and have  (m)  We may adjust these daily limitations on cash withdrawals and purchases made with 
      agreed to accept your payments, provided that your Bank Account is a checking account  the Card and PIN from time to time and subject to applicable law, based on periodic risk 
      and the payment is made in accordance with our procedures; and  assessments or upon request.  Any such changes will generally be effective immediately 
    (f)  pay for purchases from your Bank Account at places that have agreed to accept your Card. unless we are required by applicable law to provide you with advance written notice of 
                                              the proposed changes.  In such instances, those changes will be effective immediately 
    You may also be able to use your Card and PIN at certain ATMs to withdraw cash from  
                                              following the effective date stated in the notice.
    other deposit accounts you have with us. If you use your Card and your PIN to pay for a 
    Purchase from a merchant or to withdraw cash from an ATM, you authorize us to debit your  42. Error Resolution Process. 
    Bank Account for the total amount of the Transaction as shown on any sales draft or withdrawal  IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS, telephone us at 
    order originated by use of your Card and PIN. We will handle such sales drafts or withdrawal  1-800-972-3030 or write us at Fifth Third Bank, MD 1MOC2G, 38 Fountain Square Plaza, 
    orders in the same way we handle checks and other items drawn on your Bank Account, with  Cincinnati, Ohio 45263 as soon as you can if you think your statement or receipt is wrong or 
    the exception that you will have no right to stop payment. Some of these services may not  if you need more information about a transfer listed on the statement or receipt. We must hear 
    be available at all terminals, may be limited by third parties and are subject to the limitations  from you no later than sixty (60) days after we sent the FIRST statement on which the error 
    described in this Agreement and other rules, regulations and agreements that apply to your Bank  or problem appeared.
    Account or your Card. You may perform other transfers as we expand the types of available 
                                            (a) Tell us your name and deposit account number (if any).
    transfers in the future. We will notify you as to the nature and frequency of those transfers.
                                            (b)  Describe the error or the transfer you are unsure about, and explain as clearly as you can 
    41. Limitations on Types and Frequency of Electronic Banking Transfers.
                                              why you believe it is an error or why you need more information.
    Electronic banking services, including Card Transactions, and payments are subject to the  (c) Tell us the dollar amount of the suspected error.
    following limitations:
                                            If you tell us orally, we may require that you send us your complaint or question in writing 
    (a)  Due to certain state banking laws currently in effect, you may not be able to make deposits  within ten (10) Business Days. We will determine whether an error occurred within ten (10) 
      at certain locations.                 Business Days after we hear from you and will correct any error promptly. If we need more 
    (b)  The immediate use of deposited funds is restricted by our rules, regulations and agreements  time, however, we may take up to forty-?ve (45) calendar days to investigate your complaint 
      governing deposit accounts.           or question. If we decide to do this, we will credit your deposit account within ten (10) 
                                            Business Days for the amount you think is in error, so that you will have the use of the money 
    (c)  Cash withdrawals from Fifth Third ATMs or other ATMs may be made only from individual or 
                                            during the time it takes us to complete our investigation.  If we ask you to put your complaint 
      joint personal deposit accounts and not from any other accounts.
                                            or question in writing and we do not receive it within ten (10) Business Days, we may not 
    (d)  Savings Account Transaction Policies.
                                            credit your deposit account. 
               Unlimited Transactions. You may make an unlimited number of payments from your 
                                            For errors involving new deposit accounts, POS or foreign-initiated transactions, we may take 
       savings account(s) to your Fifth Third installment, mortgage or credit card accounts.
                                            up to ninety (90) calendar days to investigate your complaint or question. For new deposit 
               Transfer/Withdrawal Restrictions. You are limited to six of the following transactions  accounts, we may take up to twenty (20) Business Days to credit your deposit account for the 
       from your savings accounts each month. amount that you think is in error.  We will tell you the results within three (3) Business Days 
               �  Preauthorized or automatic withdrawals/transfers include, but are not limited to: after completing our investigation.  If we decide that there was no error, we will send you a 
                                            written explanation. You may ask for copies of the documents that we used in our investigation.
                     �  Automatic transfers from your savings account to cover an overdraft.
                                           6
    43. Debit Card Fees.                    50. Services. 
    �  ATM Mini Statement ......................................................................................  $1.50  If you use the Card and PIN for Fifth Third Bank Telephone Banking or other telephone banking 
    �  International Point of Sale/ATM Transaction Fee ..................................  3% of transaction  or Fifth Third Internet Banking and Bill Payment, and we approve such use of the Card, we will 
                                            transfer money in your Bank Account with us or accounts over which you have the authority to 
    �  Non-Fifth Third ATM Transaction ...................................................  $2.00 per transaction
                                            withdraw or transfer funds to the accounts of designated merchants. Such transfer will be made 
    �  Excessive preauthorized or automatic withdrawal or transfer fee ..... $5 per transaction over   upon your instructions by use of a telephone, or by other means acceptable to us.
                                six per statement cycle
                                            You agree to allow a reasonable period of time (at least ?ve (5) Business Days) for a merchant 
    You agree that we may charge and deduct from your Bank Account (or any other account that  to receive the payment. We will not be responsible for any delays caused by mail service or 
    you maintain with us primarily for personal, family or household purposes, as necessary) any  others. In no case will we be liable for any interest or late payment charges assessed by a 
    charges associated with or incurred in connection with the use of your Card. merchant or termination of service caused by a delay in a merchant�s receipt of the payment.
    44. Disclosure of Bank Account Information to Third Parties.  You agree to notify us of any change in your address or account with a merchant, including 
    We take our responsibility to protect the con?dentiality of your ?nancial information very  change of account number.
    seriously. It is our policy never to share information about you, your Bank Account or the  51. Card Cancellation, Revocation or Limitation. 
    transfers made using your Card with third parties, including marketing companies, except in the 
                                            Your Card may be cancelled, revoked or limited in its use at any time by us or our agent.
    situations noted below. Speci?cally, we will disclose such information:
                                            OTHER FEES
    (a) where it is necessary for completing transfers;
    (b)  in order to verify the existence and condition of your Bank Account for a third party, such as  52. Card Replacement Fees
      a credit bureau or a merchant;        Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery of 
    (c) in order to comply with government agency or court orders, such as a lawful subpoena; your Card is expedited.
    (d) if you give us your written permission; Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
    (e)  in the investigation or prosecution of alleged fraudulent activity concerning your   Card at your request.
      Bank Account; or 
    (f) as otherwise provided in the Fifth Third privacy policy.
    You authorize the disclosure to any merchant or other payee of the information relating to your 
    accounts as is reasonably necessary to perform our electronic banking services.
    45. Documentation of Terminal Transfers. 
    For transactions of more than $15, you can get a receipt at the time you make any transfer to 
    or from your Bank Account using a Fifth Third ATM or any other electronic banking terminal.
    46. Your Liability. 
    Tell us AT ONCE if you believe your Card or PIN, or both, have been lost, stolen or used (or 
    may be used) or that a transfer has been or may be made with your Card or PIN without your 
    permission. Telephoning is the best way of keeping your possible losses down. You could lose 
    all the money in your Bank Account (plus your savings or credit account if you have a checking 
    account with an overdraft protection feature). If you tell us within two (2) Business Days after 
    you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone 
    used your Card or PIN without your permission.
    If you do NOT tell us within two (2) Business Days after you learn of the loss or theft of your 
    Card or PIN, and we can prove that we could have stopped someone from using your Card or 
    PIN without your permission if you had told us, you could lose as much as $500.
    Also, if your statement shows transfers that you did not make, including those made by Card, PIN 
    or other means, tell us at once. If you do not tell us within sixty (60) days after the statement 
    was mailed to you, you may not get back any money you lost after the sixty (60) days if we can 
    prove that we could have stopped someone from taking the money if you had told us in time.
    If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend 
    the time period for a reasonable time.
    47. Business Days. 
    For purposes of the section of this Agreement entitled Ready Reserve and EFT Services, our 
    Business Days are Monday through Friday. Holidays are not included.
    48. Contacts in the Event of Unauthorized EFTs. 
    If you believe that your Card or PIN has been lost or stolen or that someone has made or 
    authorized or may authorize a transfer from your Bank Account without your permission,  
    you should call us at 1-800-782-0279.
    49. Authorized Use. 
    You agree that, if you authorize another person to use your Account, Bank Account, Card 
    or PIN in any manner, your authorization will be deemed to include the authorization to 
    perform electronic banking services of any kind using your Account, Bank Account, Card or PIN 
    and to incur related fees and charges, even if that person exceeds your authorization. Your 
    authorization will be deemed to continue until you have taken all steps necessary to revoke it 
    by preventing such use by that person.
                                           7
                                                                              Rev. 08/1 1
    FACTS    WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?
    WHY?     Financial companies choose how they share your personal information. Federal law gives consumers 
             the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, 
             and protect your personal information. Please read this notice carefully to understand what we do.
             The types of personal information we collect and share depend on the product or service you have 
    WHAT?
             with us. This information can include:
             � Social Security number, name, address, email address, income, and assets
             � Payment history and account balances
             � Credit history and creditworthiness
    HOW?     All ?nancial companies need to share customers� personal information to run their everyday business. 
             In the section below, we list the reasons ?nancial companies can share their customers� personal 
             information; the reasons Fifth Third chooses to share; and whether you can limit this sharing.
    REASONS WE CAN SHARE YOUR PERSONAL INFORMATION DOES FIFTH THIRD SHARE? CAN YOU LIMIT THIS SHARING?
    For our everyday business purposes� such as to 
    processyour transactions, maintain your account(s),  Yes           No
    respond to court orders and legal investigations, or 
    report to credit bureaus
    For our marketing purposes� to o?er our products 
                                                   Yes                 No
    andservices to you
    For joint marketing with other ?nancial companies Yes              No
    For our a�liates� everyday business purposes�
                                                   Yes                 No
    information about your transactions and experiences
    For our a�liates� everyday business purposes�
                                                   Yes                 Yes
    information about your creditworthiness 
    For our a�liates to market to you              Yes                 Yes
    For nona�liates to market to you               No                  N/A
             � Call 1-800-889-5269�our menu will prompt you through your choice(s); or
    TO LIMIT
    OUR      � Write to us at Fifth Third, Customer Service, Privacy Administration, Post O�ce Box 4444, 
    SHARING    Cincinnati, OH 45263-4444. Requests must include your name, address, telephone number, and 
               Social Security number (or taxpayer identi?cation number). Incomplete information will delay or 
               possibly prevent our ability to honor your request; 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 1-800-889-5269 or go to www.53.com.
    WHO WE ARE
    Who is providing this notice? Fifth Third Bank and its a�liates (please see next page for List of A�liates).
    WHAT WE DO
    How does Fifth Third protect my To protect your personal information from unauthorized access and use, we 
    personal information?     usesecurity measures that comply with federal law. These measures include 
                              computer safeguards and secured ?les and buildings.
    How does Fifth Third collect my  We collect your personal information, for example, when you:
    personal information?     � Open an account or apply for a loan
                              � Pay your bills or make a deposit
                              � Use your credit or debit card
                              We also collect your personal information from others, such as credit bureaus, 
                              a�liates, or other companies. 
                                           8
    Why can�t I limit all sharing? Federal law gives you the right to limit only:
                           � sharing for a?liates� everyday business purposes�information about 
                             your creditworthiness
                           � a?liates from using your information to market to you
                           � sharing for nona?liates to market to you
                           State laws and individual companies may give you additional rights to 
                           limit sharing. See below for more information on state laws. 
    What happens when I limit  Your choices will apply to everyone on your account.
    sharingfor an account I hold 
    jointly with someone else?
    DEFINITIONS
    A?liates               Companies related by common ownership or control. They can be 
                           ?nancial and non?nancial companies.
                           � Our a?liates include companies with a Fifth Third name; ?nancial 
                             companies such as an insurance agency or a leasing company.
    Nona?liates            Companies not related by common ownership or control. They can be 
                           ?nancial and non?nancial companies.
                           � Fifth Third does not share information with nona?liates so they can market to you.
    Joint marketing        A formal agreement between nona?liated ?nancial companies that together 
                           market ?nancial products or services to you.
                           � Our joint marketing partners include but may not be limited to insurance 
                             companies and credit card companies.
     OTHER IMPORTANT INFORMATION
     Nevada law requires that we provide you with the following contact information: 
     Fifth Third, Customer Service Bureau of Consumer Protection, O?ce of the Nevada Attorney General
     Privacy Administration  555 East Washington Street, Suite 3900
     P.O. Box 4444           Las Vegas, NV 89101
     Cincinnati, OH 45263-4444 Phone: (702) 486-3132, Email: BCFINFO@ag.state.nv.us
     CA, ND and VT residents: Accounts with mailing addresses in these states will be treated as if they have selected 
     for us to not share your credit and personal ?nancial information with other Fifth Third companies. 
     CUSTOMER IDENTIFICATION PROGRAM
     In accordance with the USA PATRIOT Act, Federal law requires all ?nancial institutions to obtain, verify, and record information that identi?es 
     each individual or entity opening an account. This includes all personal and commercial accounts, including loan and deposit accounts, as 
     well as trust, brokerage, insurance, and investment management accounts.
     What This Means To Our Customers
     When you open an account, you will be asked for your name, address, Social Security or tax identi?cation number, date of birth (if applicable), 
     and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver�s license or other identifying 
     documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Fifth Third.
    LIST OF AFFILIATES
     Fifth Third Bank, an Ohio Banking Corporation Fifth Third Real Estate Capital Markets, Inc. Fifth Third Holdings, LLC
     Fifth Third Insurance Agency, Inc. The Fifth Third Leasing Company Home Equity of America, Inc.
     Fifth Third Mortgage Company  Fifth Third Asset Management, Inc. Fifth Third Mortgage, MI, LLC
     Fifth Third Securities, Inc. Member FINRA/SIPC Vantiv  The Fifth Third Auto Leasing Trust
     Vista Settlement Services, LLC SLK Global BPO Services Pvt. Ltd. Transactive Ecommerce Solutions, Inc.
     Fifth Third Bank, Member FDIC.
     Important Information About Credit Reporting
     We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your account may 
     be re?ected in your credit report.
     Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer. Securities and 
     investments o�ered through Fifth Third Securities, Inc.
     Are Not FDIC Insured O�er No Bank Guarantee May Lose Value
     Are Not Insured By Any Federal Government Agency Are Not A Deposit
     Insurance products made available through Fifth Third Insurance Agency, Inc. 08/11
                                           9
           DUO Card Fees and Credit Disclosures
    Interest Rates and Interest Charges
     Annual                                  How We Will Calculate Your Balance: We use a method called �average daily 
              0% introductory APR for the ?rst 12 Billing Cycles. 
     Percentage                              balance (including new purchases).�
     Rate (APR)   After that, your APR will be 12.99% to 23.99%,
     for                                     Loss of Introductory APR: We may end your introductory APR for Purchases and 
              based on your credit worthiness. This APR will vary with the 
     Purchases:                              Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment, 
              market based on the WSJ Prime Rate.
                                             make a payment that is returned or use a Convenience Check that is not honored.
     APR for  0% introductory APR for the ?rst 12 Billing Cycles.
     Balance  After that, your APR will be the standard APR for Purchases and 
                                             The introductory APR for Purchases and Balance Transfers is 0% for the ?rst 12 billing cycles. 
     Transfers: will be 12.99% to 23.99%, based on your credit worthiness. 
                                             Thereafter, the APR for Purchases and Balance Transfers is 12.99% to 23.99%, depending 
              This APR will vary with the market based on the WSJ Prime Rate.
                                             on your credit worthiness. The APR for Cash Advances and Penalty is 24.99%.
     APR for Cash  24.99%
                                             The Monthly Periodic Rate for introductory Purchases and Balance Transfers is 0.0000%. 
     Advances
                                             The Monthly Periodic Rate for Purchases and Balance Transfers after the introductory period 
     Penalty APR  24.99%                     has ended will be 1.0825% to 1.9992%, depending on your credit worthiness. The Monthly 
     and When it  This APR may be applied to your Account if you: Periodic Rate for Cash Advances and Penalty is 2.0825%.  
     Applies   1) Make a late payment; 
               2) Make a payment that is returned;  The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
               3) Use a Convenience Check that is not honored.  is 9.74% to 20.74% depending on your credit worthiness. Your margins are the portions 
              How Long Will the Penalty APR Apply? If your APRs  of your interest rates added to the Index value (WSJ Prime Rate) used to determine your 
              are increased because you are 60 days late, the Penalty APR   APRs.  
              will apply until you make six consecutive minimum payments  
              when due. If your APRs are increased for other reasons listed  Information contained in this Fifth Third Bank Disclosure is accurate as of 5/1/2012 and is 
              above, the Penalty APR will apply for an inde?nite period of time.  subject to change thereafter. 
     How to   Your due date is at least 21 days after the close of each Billing  The WSJ Prime Rate means the prime rate published in the �Money Rates� section of 
     Avoid Paying  Cycle. We will not charge you interest on Purchases if you pay  the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days 
     Interest on  your entire balance by the due date each month. prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and 
     Purchases                               corresponding APR for Purchases will be applied to your existing Account balance and to 
                                             subsequent transactions effective the ?rst day of the Billing Cycle in which we determine 
     Minimum  If you are charged interest, the charge will be no less than $1.00.
                                             the interest rate. Any increase or decrease in the WSJ Prime Rate will result in an increase 
     Interest 
                                             or decrease in your Monthly Periodic Rate and the APR, and as a result, the ?nance charge 
     Charge
                                             and the Minimum Amount Due will change and may result in a smaller part of your payment 
                                             being applied to reduce principal.
    FEES
                                             Explanation of Balance Subject to Interest Charges: We ?gure the interest 
     Annual Fees
                                             charge on your account by applying the periodic rate to the �average daily balance� of your 
     � Annual Fee None                       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 
     Transaction Fees
                                             daily balance. Then, we add up all the daily balances for the billing cycle and divide the total 
     �  Balance  Either $5 or 4% of the amount of each transfer, whichever is  by the number of days in the billing cycle. This gives us the �average daily balance.�
      Transfer greater.
     �  Cash  Either $5 or 4% of the amount of each Cash Advance, 
      Advance whichever is greater.
     �  International   3% of each transaction in U.S. dollars.
      Transaction
     Penalty Fees
     �  Late  
              Up to $35
      Payment
                                          10