FIFTH THIRD BANK CARD AGREEMENT for World Elite MasterCard®

 Credit Card

WRLDTERM   653412   F03-S925-2

Effective September 1, 2014

This Agreement governs the terms and conditions of your Account. You should retain  
and carefully review this entire Agreement. You and we agree as follows:

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

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

you can access with your Card.

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

with your Account.

Agreement: This Fifth Third Bank Card Agreement for World Elite MasterCard Credit Card.
Annual Fee: Your Card has an annual fee of $300. The annual fee is waived if you are a 

Fifth Third Private Bank client. 

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

APR: Annual percentage rate.
ATM: Automated teller machine.
Bank Account: If you use your Card as an ATM card, your savings or checking account  
that you maintain with us primarily for personal, household or family purposes and 
designate for use with your Card.

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

is approximately one month long.

Business Day: Monday through Friday, excluding holidays.
Card: Unless the context provides otherwise, each World Elite MasterCard credit card that  

we issue on your Account.

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

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

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

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

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

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

United States or in a foreign currency.

International Transaction Fee: A fee imposed for each Transaction outside of the U.S.  

or in a foreign currency.

MasterCard: MasterCard International.
Minimum Amount Due: The minimum amount you must pay by the Payment Due Date 

shown on the front of your Account Statement.

Monthly Periodic Rate: The periodic rate that applies to certain Transactions calculated  

on a monthly basis.

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

Account Statement.

Non-Revolving Credit Line: The amount of your credit line over your Revolving  

Credit Line.

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

Account Statement.

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

we must receive payment for the Billing Cycle.

PIN: Personal identification number.
POS: Point of sale.
Purchase: A purchase or lease of goods or services made with your Card or your Account.
Ready Reserve Overdraft Protection: An optional feature of your Account whereby 

you may link a checking account to your Account to cover overdrafts on the checking account.

Revolving Credit Line: The amount of your Account balance that you are permitted  

to pay over time.

Total Amount of Extended Credit: Your Revolving Credit Line and your Non-Revolving 

Credit Line.

Transaction: A Purchase or a Cash Advance.
U.S.: United States.
Visa: Visa International.
WSJ Prime Rate: The highest prime rate published in the “Money Rates” section of the 

online version of The Wall Street Journal.

HOW TO USE YOUR CARD AND ACCESS YOUR ACCOUNT
1. Card Transactions, Purchases and Cash Advances.  
You may use your Account and your Card to make a Purchase or obtain a Cash  
Advance by presenting your Card or your Account number to participating merchants  
and establishments where the Card is honored. We will also treat as a Cash Advance any 
transaction using Ready Reserve.  

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

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

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

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

2. Credit Limit.
Your Card allows you to pay your Account balance in full each month or pay a portion of 
your Account balance over time. There is no preset spending limit on your Account. No preset 
spending limit does not mean unlimited spending. Your Revolving Credit Line will be disclosed 
in the document that accompanies your Card and on your Account Statements. 

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We will not disclose your Non-Revolving Credit Line; rather, we will evaluate each charge 
that causes your Account balance to exceed your Revolving Credit Line based on a variety 
of factors, including your Account spending and history, your experience with us and other 
creditors and information we obtain from credit bureaus. Subject to Applicable Law, we may 
refuse to authorize or accept any Transaction on your Account or Card at any time as described 
in this Agreement. We may also from time to time and in our sole discretion change your 
Revolving Credit Line, reduce your Revolving Credit Line to $0 and close your Account; limit 
the number or amount of Transactions on your Account based on an evaluation of various 
factors; or refuse or limit your access to your Non-Revolving Credit Line. We will promptly 
notify you in the event we decide to reduce your Revolving Credit Line. 

Your Account Statement may also show that only a portion of your Revolving Credit Line may 
be used for Cash Advances. Cash Advances, including Convenience Checks and Ready Reserve 
transactions, are charged against the cash portion of your Revolving Credit Line. Unless we 
inform you otherwise, your Cash Advance credit limit will be up to 50% of your Revolving 
Credit Line.

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

LOST CARDS, UNAUTHORIZED USE OF ACCOUNT OR CARD AND OTHER 
CONCERNS
4. Unauthorized Use of Your Account or Card. If you notice the loss or theft of 
your Card or a possible unauthorized use of your Card or Account, you should write to us 
immediately at: Fifth Third Bank, Customer Service Department, Madisonville Operations 
Center, MD 1MOCBX, Cincinnati, Ohio 45263 or call us at: 1-800-972-3030. We may still 
require you to provide notice in writing.

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

5. Limitation of Your Liability for Unauthorized Use of Your Account. You 
will not be liable for any unauthorized use of your Account that occurs after you notify us. You 
may, however, be liable for unauthorized use that occurs before your notice to us. In any case, 
your liability for unauthorized use of your Account will not exceed $50. Under MasterCard’s 
Zero Liability Protection, you will have no liability for “unauthorized purchases” made using 
your Fifth Third Bank issued MasterCard or Debit MasterCard card. Zero Liability applies to 
purchases made in the store, over the telephone or online. As a cardholder, you will not be 
held responsible in the event of unauthorized purchases provided that the following conditions 
are met: (i) your account is in good standing; (ii) you have exercised reasonable care in 
safeguarding your card from any unauthorized use. Unauthorized use means that you did 
not provide, directly, by implication or otherwise, the right to use your card and you received 
no benefit from the “unauthorized” purchase; (iii) you have not reported two or more 
unauthorized events in the past 12 months. 

Zero Liability does not apply to MasterCard or Debit MasterCard cards: (i) issued for 
commercial, business or agricultural purposes, except for MasterCard commercial cards 
used for small businesses as listed on www.mastercardbusiness.com; or (ii) issued or sold 
“anonymously” (for example, a prepaid card purchased in a store), until such time as the 

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identity of the cardholder has been registered with the financial institution that issued the 
card; or (iii) if a PIN is used for the unauthorized purchase. MasterCard’s policies are subject 
to change. Visit MasterCard’s Zero Liability link at www.mastercard.com/zeroliability. Contact 
Fifth Third Bank for additional consumer protections available under Federal Regulations to 
dispute transactions.

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

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

We will send your Account Statement for each Billing Cycle at the end of which your Account 
has a debit or credit balance in excess of $1.00 or on which a finance charge has been 
imposed. Generally, you will receive 12 Account Statements each year your Account is open.  
We will not send your Account Statement if (a) we deem your Account uncollectible,  
(b) delinquency collection proceedings have been instituted, or (c) for any other reason 
permitted by Applicable Law.

8. Payments. Your payment is due on or before the Payment Due Date shown on your 
Account Statement. You must pay at least the Minimum Amount Due shown on your Account 
Statement on a monthly basis, which will be the greatest of (a) 2% of the New Balance, 
(b) 0.5% of the New Balance plus total billed finance charges and any fees, or (c) $35.00. 
Any New Balance less than $35 is payable in full. The Minimum Amount Due shown on your 
Account Statement will also include any amount past due and any amount by which your 
Account exceeds its credit limit. You agree to make all payments by check or other negotiable 
instrument drawn on a U.S. branch of a financial institution located in the U.S. or by money 
order. Payments must be denominated in U.S. dollars.

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

Although we may post payments as of the date we receive them, your Revolving Credit  
Line may not be restored for up to 7 days after we receive your payment. If the Minimum 
Amount Due is to be automatically deducted from your checking or savings account with us, 
you agree to have on deposit in that account on the Payment Due Date available funds equal  
to the Minimum Amount Due.

Payments on your Account that exceed the Minimum Amount Due will be allocated first  
to the Account balance with the highest APR, and then to each consecutive Account balance 
bearing the next highest APR, at the time payment is posted to your Account. Payments  
on your Account that do not exceed the Minimum Amount Due will be applied in the following 
order: finance charges, fees, any applicable installment balance minimum amount due that  
is calculated separately from the Minimum Amount Due, the Account balance with the lowest 
APR, then to each consecutive Account balance bearing the next lowest APR at the time 
payment is posted to your Account.

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

9. Prepayment. You may pay without penalty any portion of the entire New Balance  
or more than your Minimum Amount Due before the Payment Due Date. You understand that 

by making a prepayment, the total amount you owe us will be reduced but that you must pay 
the Minimum Payment Due in successive Billing Cycles as reflected in your Account Statement. 
DETERMINATION OF FINANCE CHARGES
10. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing  
the applicable APR by 12.

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

12. APR. 
(a) Purchases and Cash Advances. 
APR for Purchases. Documents accompanying your Card, which are incorporated  
by reference into this Agreement, disclose the APR for Purchases in effect when your  
Account is opened. 
Variable APR for Purchases. If the APR for Purchases is a variable rate based on the 
WSJ Prime Rate plus a margin, we will calculate the rate monthly by adding the applicable 
margin for those Transactions to the WSJ Prime Rate. (A “margin” is the percentage we add 
to the WSJ Prime Rate to calculate the APR.) This APR may vary (increase and decrease), 
but will not exceed 29.99% (corresponding Monthly Periodic Rate of 2.4992%). Any 
increase or decrease in the WSJ Prime Rate will result in an increase or decrease in your 
Monthly Periodic Rate and the APR, and as a result, the finance charge and the Minimum 
Amount Due will change and may result in a smaller part of your payment being applied to 
reduce principal. We determine the WSJ Prime Rate two days prior to the closing date of your 
Billing Cycle. Changes to the Monthly Periodic Rate and corresponding APR for Purchases will 
be applied to your existing Account balance and to subsequent Transactions effective as of the 
first day of the Billing Cycle in which we determine the interest rate. If The Wall Street Journal 
does not publish the prime rate, or if it changes the definition of prime rate, we may, at our 
sole discretion, substitute another index.

APR for Cash Advances. The APR for Cash Advances will be 24.99% (corresponding 
Monthly Periodic Rate of 2.0825%).
(b) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic 
Rate and corresponding APR for Purchases and Cash Advances if you are in default of this 
Agreement, or if we, in our sole discretion and from time to time, decide to take such 
action. (Please see the sections of this Agreement entitled “Penalty APR for Payments Late 
by 60 Days or More,” “Penalty APR for Other Default,” “Changes to this Agreement” and 
“Default.”)
(c) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion,  
we may offer you an introductory or promotional APR for all or a part of your Transactions.  
For example, we may offer you a promotional APR to encourage specific transactions, such  
as transferring balances from accounts you have with others, or an introductory APR  
for Purchases when you open an Account. The period of time for which the introductory  
or promotional APR applies may be limited. Any introductory or promotional APR offer will  
be subject to the terms of the offer and this Agreement. 
If applicable, we will disclose information regarding any introductory or promotional APRs  
and the period of time during which they are in effect in the document that accompanies your 
Card or in materials we send you about the offer after you obtain your Card. If (i) we receive 
a Minimum Amount Due after its Payment Due Date; or (ii) (A) a check, similar instrument or 
electronic payment order that you have used for payment on your Account has been returned 
to us unpaid for any reason, (B) we must return a check or other instrument because it is not 
signed or is otherwise incomplete, or (C) a Convenience Check used to access your Account is 
not honored for any reason, we may adjust the APR to the APR then in effect or the penalty 
APR, as applicable. 
(d) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 
2.4992%) on all new and outstanding Account balances each time we do not receive at least 
the Minimum Amount Due within 60 days of its Payment Due Date, including when we do not 
receive the Minimum Amount Due because a check, similar instrument or electronic payment 
order that we receive as payment on your Account has been returned to us unpaid for any 
reason, or we must return a check or other instrument because it is not signed or is otherwise 
incomplete. Once you become subject to this penalty APR, we may change your APR for 
outstanding balances back to the respective APRs in effect for your Account (not including any 
promotional APR), but only if you bring your Account current and then, for six (6) consecutive 
Billing Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any 
other variable or fixed APR that would otherwise apply to new and outstanding Account 
balances will change to this penalty APR.
(e) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase 
the APR to 29.99% (corresponding Monthly Periodic Rate of 2.4992%) on all new 
Transactions on your Account that occur more than 14 days after we send you notice of the 
increased APR each time (i) we receive a Minimum Amount Due after its Payment Due Date 

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but before 60 days after its Payment Due Date; or (ii) (A) a check, similar instrument or 
electronic payment order that you have used for payment on your Account has been returned 
to us unpaid for any reason, (B) we must return a check or other instrument because it is not 
signed or is otherwise incomplete, or (C) a Convenience Check used to access your Account 
is not honored for any reason. Once you become subject to this penalty APR, we may change 
your APR back to the respective APRs in effect for your Account (not including any promotional 
APR), but only if you bring your Account current, and then for six (6) consecutive Billing 
Cycles, you pay at least the Minimum Amount Due by the Payment Due Date. Any other 
variable or fixed APR that would otherwise apply to new Account balances will change to this 
penalty APR.

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

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

14. Fees.
Annual Fee. Your Card has an annual fee of $300. The annual fee is waived  
if you are a Fifth Third Private Bank client.
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a balance transfer fee equal to the greater of $5.00 or 4% of the 
total dollar amount of the balance you are transferring from another account to your Account.
Cash Advance Fee. We will assess a finance charge in the form of a Cash Advance fee 
equal to the greater of $5 or 4% of the total dollar amount advanced for each Cash Advance  
on your Account.
Late Payment Fee. If we do not receive the Minimum Amount Due by the Payment Due 
Date, there is a late payment fee of $25. Any subsequent late fees will be $35 until you 
make your required Minimum Amount Due by the Payment Due Date for six consecutive 
Billing Cycles.  In any event, the late payment fee will not be greater than your Minimum 
Amount Due for the Billing Cycle for which your payment was late.
International Transaction Fee. There is a finance charge in the form of a transaction 
fee equal to 3% of the U.S. dollar amount of each credit card Foreign Transaction. The 
finance charge in the form of a transaction fee equal to 3% of the U.S. dollar amount of 
each credit card Foreign Transaction is waived.
Expedited Card Delivery Fee. There is a delivery fee of $30 per Account if delivery  
of your Card is expedited.
Replacement Card Fee. We will assess a replacement card fee of $10 if we replace your 
Card at your request.

Convenience Check Fee. Unless your offer indicates otherwise, we will assess a finance 
charge in the form of a convenience check fee equal to the greater of $5 or 4% of the 
total dollar amount of each convenience check used.
We may institute a standard charge or charges for the issuance, reissuance or use  of the Card 
or for the reinstatement of any Card or Account privileges which have been suspended, as well 
as an annual fee and per item fee for each Transaction, and you agree  to pay us such charges 
and fees.

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

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

YOUR BILLING RIGHTS – KEEP THIS NOTICE FOR FUTURE USE
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
What To Do If You Find a Mistake on Your Statement. If you think there is an error on your 
statement, write to us at: Fifth Third Bank, Customer Service Department, Madisonville 
Operations Center, MD 1MOCBX, Cincinnati, Ohio 45263.
In your letter, give us the following information:
•  Account Information: Your name and Account number.
•  Dollar amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill, describe what you believe 

is wrong and why you believe it is a mistake.

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

payment on the amount you think is wrong.
You must notify us of any potential errors in writing. 
A letter with your signature is required by the Bank to investigate any potential errors. You 
may still be required to pay the amount(s) in question if the Bank determines the transaction 
is not an error. If you believe fraud has occurred on your account, please call as soon as 
possible at 1-800-972-3030.  Please see Section 4 for more information on fraud.
What Will Happen After We Receive Your Letter. 
When we receive your letter, we must do two things:
1.  Within 30 days of receiving your letter, we must tell you that we received your letter.  

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

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

to you why we believe the bill is correct.

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

amount.

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

you interest on that amount.

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

remainder of your balance.

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

or other fees related to that amount.

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

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

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

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

an ATM do not qualify.

3. You must not yet have fully paid for the Purchase.
If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us 
in writing at: Fifth Third Bank, Customer Service Department, Madisonville Operations Center, 
MD 1MOCBX, Cincinnati, Ohio 45263. 
While we investigate, the same rules apply to the disputed amount as discussed above. After 
we finish our investigation, we will tell you our decision. At that point, if we think you owe us 
an amount and you do not pay, we may report you as delinquent.

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

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

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

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

21. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
your right to use your Account or Card, along with your right to make future Transactions, 
at any time and for any reason without notice to you. You or anyone you authorized to use 
the Card or Account may terminate your Account and use of your Card at any time by calling 
us at 1-866-488-0017, or writing to us at Fifth Third Bank, Customer Service Department, 
Madisonville Operations Center, MD 1MOCBX, Cincinnati, Ohio 45263. Any request to 
terminate your Account will be effective after we have had a reasonable opportunity to act 
on such request. The termination of this Agreement, whether initiated by us or you, will not 
affect any of your or our rights and obligations under this Agreement. If this Agreement is 
terminated, you must still repay any amounts you owe us, even if we allow a Transaction to 
be completed with your Account or Card after this Agreement has been terminated. You agree 
to give to us or to destroy all of the Cards issued on your Account when we ask you to or 
when this Agreement is terminated. If someone attempts to use a Card after this Agreement 
is terminated, the Card may be retained. A Card also may be retained when you try to use it 
when certain other events occur.

22. Default. Subject to Applicable Law, your Account will be in default under this 
Agreement if any one of the following occurs: (a) you become generally unable to pay your 
debts, (b) you die or are declared legally incompetent, (c) you use a check or instrument for 

payment that is dishonored, (d) you fail to pay the Minimum Amount Due on or before your 
Payment Due Date, (e) any other creditor tries by legal process to take money of yours in our 
possession, (f) a petition is filed or other proceeding is commenced by or against you under 
the federal bankruptcy act or any other applicable federal or state insolvency laws,  
(g) you provide us with any false or misleading information, (h) you breach any of your  
other obligations under this Agreement, (i) you are in default of any other credit agreement  
you have with us or any of our affiliates, or (j) we believe in good faith that you may not pay 
or perform your obligations under this Agreement. The payment of any fee charged by us will 
not cure the default that caused the fee.

23. Our Additional Rights When You Are in Default. If your Account is in default 
under this Agreement, we may, subject to Applicable Law, (a) require you to pay any portion  
of your outstanding Account balance immediately, (b) allow you to repay your Account subject 
to the terms and conditions of this Agreement, (c) immediately terminate your Account 
and cancel all Cards, (d) reduce your Account Total Amount of Extended Credit or otherwise 
limit your ability to make Transactions as discussed in this Agreement, (e) commence a 
legal proceeding against you to collect all amounts owed in connection with this Agreement, 
or (f) increase the APR for Purchases and Cash Advances. We also may charge you court 
costs and reasonable attorneys’ fees that we actually incur, as permitted by Applicable 
Law, if your Account is sent for collection to an attorney who is not our salaried employee. 
We will not be obligated to honor any attempted use of your Card or your Account if your 
Account is in default, or we have decided to terminate your Account or limit your ability to 
make Transactions as discussed in this Agreement. Except as otherwise provided for in this 
Agreement, finance charges will continue to accrue at the APR in effect at the time of default 
until your total Account balance, including such accrued finance charges, is paid in full. You 
agree that, subject to Applicable Law, if your Account is in default under this Agreement, 
you will accept calls from us at your home and your place of business regarding collection of 
your Account. You understand and agree that the calls to your home may be automatically 
dialed and a recorded message may be played. You agree such calls will not be considered 
“unsolicited” calls or telemarketing calls for purposes of state or federal law.

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

25. Communicating With You; Consent To Contact By Electronic And Other 
Means. To the extent permitted by applicable law, you consent that we may contact you at 
any telephone number that you have given to us, any number that you have called us from 
or any number we have for you in our records, including your cellular or other wireless device 
to service your account or for collection purposes. We have your permission to contact you 
by any means available, including by text message. You also agree that we may contact you 
using prerecorded messages or automatic dialers. When we use the words “we” and “us” in 
this paragraph, we are also referring to our affiliates, agents and service providers. If you give 
us an email address, you also consent to our contacting you by email.

26. Telephone Monitoring and Recording. You acknowledge that your telephone 
calls and other communications you provide to us may be monitored and recorded for training 
and quality control purposes. You agree that we may monitor, record, retain and reproduce 
your telephone calls and any other communications you provide to us, regardless of how 
transmitted to us, as evidence of your authorization to act in connection with any Transaction, 
your Account or other service contemplated by this Agreement. We will not be liable for any 
losses or damages that are incurred as a result of these actions. We are not, however, under 
any obligation to monitor, record, retain or reproduce such items, unless required  
to do so by Applicable Law.

27. Arbitration. You and we each agree that any Claim will be arbitrated instead of 
litigated in court under the circumstances and procedures set forth below. Any Claim will be 
resolved upon the election of arbitration by you or us pursuant to this provision and the AAA 
Rules in effect at the time the Claim is filed. (If for any reason the AAA is unable or unwilling 
or ceases to serve as arbitration administrator, another nationally recognized arbitration 
organization utilizing similar rules and procedures will be substituted by us.) With respect to 
Claims covered by this provision, a party who has asserted a Claim in a lawsuit in court may 
elect arbitration with respect to any Claim subsequently asserted in that lawsuit by any other 
party or parties. IF ARBITRATION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, 
NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE 

A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS 
PROVIDED FOR IN THE AAA RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE 
AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM 
SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL 
BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO 
COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
visiting the AAA’s Web site at www.adr.org. All Claims must be filed at any AAA office.

There will be no authority for any Claims to be arbitrated on a class action basis. Any 
arbitration hearing that you attend will take place in the federal judicial district in which you 
reside.  
At your written request, we will temporarily advance up to $500 towards the filing, 
administrative and/or hearing fees for any Claim that you may file against us after you 
have paid an amount equivalent to the fee, if any, for filing such a Claim in state or federal 
court (whichever is less) in the judicial district in which you reside. At the conclusion of the 
arbitration, the arbitrator will decide who will ultimately be responsible for paying the filing, 
administrative and/or hearing fees in connection with the arbitration. Unless inconsistent 
with Applicable Law, each party will bear the expense of that party’s attorneys’, experts’ and 
witness fees, regardless of which party prevails in the arbitration.

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

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

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

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

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

5

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

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

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

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

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

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

36. Questions. If you have any questions about this Agreement or your Card, please  
contact us at 1-800-972-3030.

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

READY RESERVE OVERDRAFT PROTECTION AND EFT SERVICES
38. Ready Reserve Overdraft Protection is a feature of your credit card account 
whereby funds are automatically transferred from your credit card account to your enrolled 
Fifth Third Checking account to cover balance shortages. If Overdraft Protection via Ready 
Reserve is used, the greater of $50 or the exact amount of the negative balance plus the 
applicable transfer charge will be transferred from your credit card to the enrolled checking 
account. The amount transferred will be subject to the cash advance interest rate applicable 
to the credit card. If you have not enrolled in Overdraft Protection via Ready Reserve or if the 
funds in your linked credit card account are insufficient, per-item overdraft fees would still 
apply. If you have applied and been approved for Ready Reserve, you may use your Card as 
an ATM card by entering your PIN. See Rules and Regulations Applicable to All Fifth Third Bank 
Consumer and Business Banking Accounts and Cards for more details.

39. Use of Card for EFT Services. If you use your Card as an ATM card, the following 
additional terms and conditions apply to your use of your Card to access your Bank Account  
for the EFT services we make available (for example, (a) use of the Jeanie®, Pulse®, Plus 
System®, Visa, Cirrus®, or other electronic banking terminals or systems; (b) use of our 
telephone bill payment service; (c) use of Fifth Third Bank Telephone Banking to transfer 
money; (d) use of Fifth Third Internet Banking and Bill Payment to transfer money or pay 
bills; (e) electronic direct deposits of government payments such as Social Security and payroll 
payments; (f) preauthorized bill payments; and (g) electronic check conversion) and are 
provided to you in accordance with the requirements of federal law.

40. ATM Transaction Charges. Your checking, savings, credit card or line of credit 
account with us may be subject to charges when using an ATM that does not display both 
our logo and the Jeanie logo. Details about these charges are disclosed elsewhere in this 
Agreement and in our “Checking Brochure” and “Savings Brochure.” Also, if you use an ATM 
that does not display both our logo and the Jeanie logo, you may be charged a fee by the 
ATM owner or operator, as well as by any network used (and you may be charged a fee for a 
balance inquiry even if you do not complete an EFT).

41. Types of EFTs. If you use your Card and your PIN, you may:
(a) withdraw cash from your Bank Account;
(b) obtain a Cash Advance;
(c) make deposits to your Bank Account (Note: Money Station ATMs will not accept deposits 
greater than $10,000. We reserve the right to reject deposits in excess of $10,000 at any 
ATM displaying the Jeanie logo);
(d) transfer funds between your checking, savings, Visa or line of credit accounts;
(e) pay bills directly from your Bank Account to parties that have been identified and have 
agreed to accept your payments, provided that your Bank Account is a checking account and 
the payment is made in accordance with our procedures; and
(f) pay for purchases from your Bank Account at places that have agreed to accept your Card, 
provided that your Bank Account is a checking account.

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 Bank Account for the total amount of the 
Transaction as shown on any sales draft or withdrawal order originated by use of your Card, 
regardless of whether you signed it. We will handle such sales drafts or withdrawal orders 
in the same way we handle checks and other items drawn on your Bank Account, with the 
exception that you will have no right to stop payment. Some of these services may not be 
available at all terminals, may be limited by third parties and are subject to the limitations 
described in this Agreement and other rules, regulations and agreements that apply to your 
Bank Account or your Account. You may perform other transfers as we expand the types of 
available transfers in the future. We will notify you as to the nature and frequency of those 
transfers. 

42. Limitations on Types and Frequency of Electronic Banking Transfers.  
Electronic banking services, including Card Transactions, and payments are subject  
to the following limitations in this section and elsewhere in this Agreement:
(a) Due to certain state banking laws currently in effect, you may not be able to make 
deposits at all Jeanie or Money Station locations.
(b) The immediate use of deposited funds is restricted by our rules, regulations and 
agreements governing Bank Accounts.
(c) Cash withdrawals from Jeanie, Money Station or other ATM terminals may be made only 
from individual or joint personal Bank Accounts and not from any other accounts.
(d) You are not permitted to make bill payments or transfers or pay for Purchases from any 
Bank Account that is a savings account using a Jeanie or Money Station terminal, Fifth Third 
Internet Banking and Bill Payment or Fifth Third Bank Telephone Banking, except as provided 
in subparagraph (e) below.
(e) Fifth Third savings accounts allow up to six of the following transfers  
or withdrawals on the account per month: pre-authorized or automatic transfers/withdrawals,  
or transfers/withdrawals made by check, debit card, or similar order payable to a third party. 
Examples of preauthorized or automatic transfers include automatic transfers from savings to 
checking to cover an overdraft or a transfer of funds or bill payment from your savings account 
using Fifth Third Internet Banking and Bill Payment, Fifth Third Bank Telephone Banking, 
or any money management payment from your savings account. You may, however, make 
as many payments as you wish from your Fifth Third savings account to your installment, 
mortgage or credit card accounts with us.
(f) You may not use your Card at a POS terminal.
(g) For security reasons, there are limits on the amount of cash withdrawals from your Bank 
Account that may be made from Jeanie, Money Station or other electronic banking terminals  
or systems.

6

(c) in order to comply with government agency or court orders, such as a lawful subpoena;
(d) if you give us your written permission;
(e) in the investigation or prosecution of alleged fraudulent activity concerning your 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.
46. 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 Accounts using 
a Jeanie machine, Money Station, Plus System, VISA, MasterCard or any other electronic 
banking terminal, unless, for some reason, the machine or terminal is not working properly. 
47. 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 if you have a checking 
account with the overdraft protection feature. If you tell us within two (2) Business Days, 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, 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, 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.

48. 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.

49. Contacts in the Event of Unauthorized Card Transfers. If you believe that 
your Card or PIN, or both, has been lost or stolen or that someone has authorized or may 
authorize a transfer from your Bank Account without your permission, you can call  
us at 1-800-972-3030.

50. 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.

51. Service. If you use the Card for Fifth Third Bank Telephone Banking or other telephone 
banking or Fifth Third Internet Banking and Bill Payment, and we approve such use of the 
Card, we will transfer money in your Bank Accounts with us or accounts over which you 
have the authority to withdraw or transfer funds to the accounts of designated merchants. 
Such transfer will be made upon your instructions by use of a telephone, or by other means 
acceptable to us. You agree to allow a reasonable period of time (at least five (5) Business 
Days) for a merchant to receive the payment. We will not be responsible for any delays 
caused by mail service or others. In no case will we be liable for any interest or late payment 
charges assessed by a merchant or termination of service caused by a delay in a merchant’s 
receipt of the payment. You agree to notify us of any change in your address or account with 
a merchant, including change of account number.

52. Card Cancellation, Revocation or Limitation. Your Card may be cancelled, 
revoked or limited in its use at any time by us or our agent.

Fifth Third Bank, Member FDIC.

(h) There are limits on the amount of cash you may withdraw or transfer immediately after  
you make a deposit.
(i) 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 of 
the transfer. Once you have placed a stop payment order on a preauthorized transfer, we will 
not make any more preauthorized transfers to the person or company that you were going to 
pay until we receive a new written authorization from you.
(j) No deposits or withdrawals may be made to or from a dormant Bank Account through 
Jeanie, Money Station or other electronic banking terminal or system.
(k) We may, from time to time, limit the type, number and dollar amounts of any checks, 
drafts, withdrawals or transfers, that may be made from your Bank Account using the Card, 
even if you have sufficient available funds in your Bank Account, and to terminate or suspend 
the operation of any or all EFT devices, including your Card, without notice, unless required  
by Applicable Law.
(l) For security reasons, there may be other limits on the number and amount of transactions 
you can make using the Jeanie system.

43. Error Resolution Process. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR 
ELECTRONIC TRANSFERS, telephone us at 1-866-488-0017 or write us at Fifth Third Bank, 
Customer Service Department, Madisonville Operations Center, MD 1MOCBX, Cincinnati, Ohio 
45263 as soon as you can if you think your statement or receipt is wrong or if you need 
more information about a transfer listed on the statement or receipt. We must hear from you 
no later than sixty (60) days after  
we sent the FIRST statement on which the error or problem appeared.
(a) Tell us your name and Bank Account number (if any).
(b) Describe the error or the transfer you are unsure about, and explain as clearly as you can 
why you believe it is an error or why you need more information.
(c) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing 
within ten (10) Business Days. We will determine whether an error occurred within ten (10) 
Business Days following the date you notified us, and we will correct any error promptly. If 
we need more time, however, we may take up to forty-five (45) calendar days to investigate 
your complaint or question following the date you notified us. If we decide to do this, we will 
provisionally recredit your Bank Account within ten (10) Business Days following the date you 
notified us for the amount you think is in error, so that you will have the use of the money 
during the time it takes us to complete our investigation. If we ask you to put your complaint 
or question in writing and we do not receive it within ten (10) Business Days, we may not 
provisionally recredit your Bank Account.

For errors involving new Bank Accounts, POS or foreign-initiated transactions, we may take 
up to ninety (90) calendar days to investigate your complaint or question. For new Bank 
Accounts, we may take up to twenty (20) Business Days to credit your Bank Account for the 
amount that you think is in error.

We will tell you the results within three (3) Business Days 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.

44. Debit Card Fees. 
•  ATM Mini Statement .................................................................................... $1.50 
•  International Point of Sale/ATM Transaction Fee ............................... 3% of transaction 
• Currency Conversion Fee .......................................... 0.20% of the transaction amount
• International ATM Withdrawal ........................................................................ $5.00
•  Non-Fifth Third ATM Transaction ................................................ $2.00 per transaction 
You agree that we may charge and deduct from your Bank Account (or any other account that 
you maintain with us primarily for personal, family or household purposes, as necessary) any 
charges associated with or incurred in connection with the use of your Card.

45. Disclosure of Bank Account Information to Third Parties. We take our 
responsibility to protect the confidentiality of your financial information very seriously. It is our 
policy never to share information about you, your Bank Account or the transfers made using 
your Card with third parties, including marketing companies, except in the situations noted 
below. Specifically, we will disclose such information:
(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 a credit bureau or a merchant;

7

FACTS WHAT DOES FIFTH THIRD DO WITH YOUR PERSONAL INFORMATION?

Rev. 09/14

WHY?

WHAT?

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

The types of personal information we collect and share depend on the product or service you have 
with us. This information can include:
(cid:127) Social Security number, name, address, email address, income, and assets
(cid:127) Payment history and account balances
(cid:127) Credit history and creditworthiness

HOW?

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

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

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

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

For joint marketing with other ﬁnancial companies

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

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

For our affiliates to market to you

For nonaffiliates to market to you

Yes

Yes

Yes

Yes

Yes

Yes

No

No

No

No

No

Yes

Yes

N/A

TO LIMIT
OUR
SHARING

(cid:127) Call 800-889-5269—our menu will prompt you through your choice(s); or
(cid:127) Write to us at Fifth Third, Customer Service, Privacy Administration, Post Office Box 4444, 
  Cincinnati, OH 45263-4444. Requests must include your name, address, telephone number, and 
  Social Security number (or taxpayer identification number). Incomplete information will delay or 
  possibly prevent our ability to honor your request; or
(cid:127) Visit any Fifth Third Banking Center.

Please note: If you are a new customer, we can begin sharing your information 30 days from the 
date we sent this notice. When you are no longer our customer, we continue to share your 
information as described in this notice. However, you can contact us at any time to limit our sharing.

QUESTIONS?

Call 800-889-5269 or go to 53.com.

WHO WE ARE

Who is providing this notice?

Fifth Third Bank and its affiliates (please see next page for List of Affiliates).

WHAT WE DO

How does Fifth Third protect my
personal information?

How does Fifth Third collect my 
personal information?

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

We collect your personal information, for example, when you:
(cid:127) Open an account or apply for a loan
(cid:127) Pay your bills or make a deposit
(cid:127) Use your credit or debit card

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

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Why can’t I limit all sharing?

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

Federal law gives you the right to limit only:
(cid:127) sharing for affiliates’ everyday business purposes–information about 
  your creditworthiness
(cid:127) affiliates from using your information to market to you
(cid:127) sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to 
limit sharing. See below for more information on state laws. 

Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be financial and 
nonfinancial companies.
(cid:127) Our affiliates include companies with a Fifth Third name; financial companies such as 
  an insurance agency or a leasing company.

Companies not related by common ownership or control. They can be financial and 
nonfinancial companies.
(cid:127) Fifth Third does not share information with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market 
financial products or services to you.
(cid:127) Our joint marketing partners include but may not be limited to insurance companies.

OTHER IMPORTANT INFORMATION

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

Fifth Third, Customer Service
Privacy Administration
P.O. Box 4444
Cincinnati, OH 45263-4444

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

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

CUSTOMER IDENTIFICATION PROGRAM

In  accordance  with  the  USA  PATRIOT  Act,  Federal  law  requires  all  financial  institutions  to  obtain,  verify,  and  record 
information that identifies each individual or entity opening an account. This includes all personal and commercial accounts, 
including loan and deposit accounts, as well as trust, brokerage, insurance, and investment management accounts.
What This Means To Our Customers
When you open an account, you will be asked for your name, address, Social Security or tax identification number, 
date of birth (if applicable), and other information that will allow Fifth Third to identify you. You will also be asked 
to furnish your driver’s license or other identifying documents. We are required to follow this procedure each time 
an account is opened, even if you are a current customer of Fifth Third.

LIST OF AFFILIATES

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

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

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

Fifth Third Bank, Member FDIC.       Equal Housing Lender.
Important Information About Credit Reporting
We may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your 
account may be reflected in your credit report.
Fifth Third Bank provides access to investments and investment services through various subsidiaries, including Fifth Third Securities. 
Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer and a 
registered investment advisor registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a 
certain level of skill or training. Securities and investments offered through Fifth Third Securities, Inc. and insurance products: 

Are Not FDIC Insured Offer No Bank Guarantee
Are Not Insured By Any Federal Government Agency

May Lose Value
Are Not A Deposit

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

09/14

9

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

The  APR  for  Purchases  and  Balance  Transfers  is  9.24%.  The  APR  for  Cash  Advances  is 
24.99%. The APR for Penalty is 29.99%. 

The Monthly Periodic Rate for Purchases and Balance Transfers is 0.77%. The Monthly 
Periodic  Rate  for  Cash  Advances  is  2.0825%.  The  Monthly  Periodic  Rate  for  Penalty  is 
2.4992%. 

The margin added to the WSJ Prime Rate for the APR for Purchases and Balance Transfers 
is 5.99%. Your margin is the portion of your interest rate added to the Index value (WSJ 
Prime Rate) used to determine your APRs.  

Information contained in this Fifth Third Bank Disclosure is accurate as of 9/1/2014 and 
is subject to change thereafter. 

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

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

Fifth Third Private Bank World Elite MasterCard Fees  
and Credit Disclosures

Interest Rates and Interest Charges

Your APR will be 9.24%. This APR will vary with the market 
based on the WSJ Prime Rate.

24.99%

29.99%
This APR may be applied to your Account if you:

1) Make a late payment; 
2) Make a payment that is returned; 
3) Use a Convenience Check that is not honored. 

How Long Will the Penalty APR Apply? If your APRs  
are increased because you are 60 days late, the Penalty APR  
will apply until you make six consecutive minimum payments  
when due. If your APRs are increased for other reasons listed 
above, the Penalty APR will apply for an indefinite period of time. 

Your due date is at least 21 days after the close of each Billing 
Cycle. We will not charge you interest on Purchases if you pay 
your entire balance by the due date each month.

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

Annual 
Percentage 
Rate (APR) 
for Purchases 
and Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

FEES

Annual Fees

• Annual Fee

$300 (Waived for clients of Fifth Third Private Bank).

Transaction Fees

•  Balance 
Transfer

•  Cash 

Advance

•  International  
Transaction

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

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

$0. The finance charge in the form of a transaction fee equal  
to 3% of the U.S. dollar amount of each credit card Foreign  
Transaction is waived on the Fifth Third Private Bank World  
Elite MasterCard.

Penalty Fees

•  Late  

Payment

Up to $35

10