FIFTH THIRD BANK CARD AGREEMENT for Mastercard®

 and Visa®

 Credit Card Accounts

F03-S926-3 -0917 OL

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
Account: Unless the context provides otherwise, your credit card account that you can 

access with your Gold Mastercard, Platinum Mastercard, Standard Platinum Mastercard, 
Platinum Prime Mastercard, Cash Rewards Mastercard, Stand Up to Cancer® Credit 
Card, Real Life Rewards Credit Card, Nashville Predators Credit Card, Columbus Zoo and 
Aquarium Credit Card, Employee Rewards Mastercard, Select Fixed Rate Mastercard, 
Select Variable Rate Mastercard, Secured Mastercard, VISA Gold, VISA Platinum, Select 
Fixed Rate VISA, Select Variable Rate VISA, and Secured VISA card.

Account Statement: The periodic statement we mail to you in connection  

with your Account.

Agreement: This Fifth Third Bank Card Agreement for Mastercard and Visa.
Annual Fee: Certain cards have an annual fee. If your Card has an annual fee, the amount 
of the annual fee is disclosed in the application for your Account and also will be disclosed 
in the document that accompanies your Card.

Applicable Law: At any time, any applicable (a) federal, state or local statutes, regulations, 

licensing requirements, regulatory bulletins or guidance, regulatory examinations, 
agreements or orders, (b) rule, regulation, restriction, requirement or contractual term of 
Visa, Mastercard or other card network, and (c) judicial or administrative interpretations of 
any of the foregoing.

ATM: Automated teller machine.
Authorized User: Any person you allow to use your Account.
Available Credit Limit: The difference between the balances you owe us and your 

Account credit limit.

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 Federal Reserve Bank holidays.
Card: One or more cards or other access devices, including your account number or  

virtual card, that we issue to you, or someone you authorize, to receive credit under  
this Agreement.

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 
Overdraft Protection; (d) use your Card or your Account number to make a person-to-
person transfer conducted through the Internet or otherwise; or (e) quasi-cash transactions. 

Claim: Any claim, dispute or controversy between you and us arising from or relating to 

this Agreement, any prior agreement that you may have had with us or the relationships 
resulting from the Agreement or any prior agreement, including the validity, enforceability 
or scope of this provision, the Agreement or any prior agreement. Claim includes claims 
of every kind and nature, including but not limited to initial claims, counterclaims, 
cross-claims and third-party claims and claims based upon contract, tort, fraud and other 
intentional torts, statute, common law and equity. The term Claim is to be given the 
broadest possible meaning and includes, by way of example and without limitation, any 
claim, dispute or controversy that arises from or relates to (a) the Account created by 
the Agreement or any prior agreement or any balances on the Account, (b) the Card, 

1

(c) the EFT services or Ready Reserve Overdraft Protection feature, (d) advertisements, 
promotions or oral or written statements related to the Card, the Account or the terms of 
financing, and (e) your use of the Card and the Account.

Convenience Check: A check that may be used to access your Account. 
Covered Barrower: A consumer who is entitled to the Limitations on Terms of Consumer 

Credit Extended to Service Members and Dependents under 32 C.F.R. § 232 (the 
Military Lending Act Regulations). 

Current Billing Cycle: A Billing Cycle that just ended.
EFT: Electronic funds transfer.
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.

Minimum Payment 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.

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.
Prime Rate: The highest prime rate published in the “Money Rates” section of the online 

version of The Wall Street Journal (WSJ).

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.

Secured Bank Account: If you have a Secured Card, your savings account with us that 

you have designated to secure repayment of your Account.

Transaction: A Purchase or a Cash Advance.
U.S.: United States

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 Overdraft Protection.

You may also use your Card to transfer balances from other creditors, to make other 
transactions by means of balance transfer coupons or checks, or for any other transactions 
that we encourage you to make through an introductory or promotional offer, in accordance 
with the additional terms and conditions that we may offer from time to time. Unless we tell 
you otherwise, we will also treat any such balance transfer or other transaction as a Purchase. 

You agree that any debt incurred using your 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. We will inform you of your credit limit from time to time. You must keep 
your Account balance below your credit limit. If you do not, you must still pay us. We may 
designate part of your credit limit as a cash advance limit. We may increase or decrease your 
credit limit or your cash advance limit at any time, without notice. Your available credit may 
not be restored for up to 7 days after we receive your payment.

3. Secured Cards. If you have applied and been approved for a Secured Card, you 
have granted us a security interest in the funds, including any funds deposited following 
the effective date of this Agreement, in your Secured Bank Account. You acknowledge that 
you specifically intended to grant us the security interest in all funds in the Secured Bank 
Account, that this security interest is an express condition for your Account and that funds 
in your Secured Bank Account must remain on deposit during the term of this Agreement 
in accordance with the separate Secured Bank Account disclosure provided to you in the 
application you completed. You agree to sign all applications and documents that we may 
request from time to time that show that you have granted and assigned to us the security 
interest in the Secured Bank Account.

If you do not pay your Account balance or you or we decide to close your Account for any 
reason, you authorize us to apply all of the funds in the Secured Bank Account to your 
outstanding Account balance. If the outstanding Account balance exceeds the amount of 
funds in your Secured Bank Account, you will remain liable for any outstanding Account 
balances, including all fees or charges that may subsequently be charged to the Account, 
until the Account balance is paid in full.

4. 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.

5. Unauthorized Use. You must notify us immediately and assist us in our 
investigation if your Card is lost or stolen or you believe someone is using your Account  
or a Card without your permission. If you notice the loss or theft of your Card or a possible 
unauthorized use of your Card or Account, you should contact us immediately at  
877-833-6197, Monday through Friday 7 AM to 8 PM (EST) or Saturday 8:30 AM  
to 5 PM (EST). Outside of these hours, contact us at 800-972-3030.

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 an interest 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. 

Payment Instructions: We credit your payments in accordance with the terms on your 
statement. If you mail your payment to an address other than the payment address shown 
on your statement, there may be a delay in crediting the payment to your Account. We can 
accept late payments, partial payments or payments marked “payment in full,” or with any 
other restrictive endorsement, without losing any of our rights under this Agreement.  You 
must pay us in U.S. dollars in funds on deposit in the U.S. If you do not, we may refuse to 
accept your payment. We may also charge you the costs we incurred to collect the funds and 
we may select the currency conversion rate. 

8. Minimum Payment Due. Your payment is due on or before the Payment Due Date 
shown on your Account Statement. You must pay at least the Minimum Payment Due shown 
on your Account Statement on a monthly basis, which will be the greater of (a) 2% of the 
New Balance, (b) 0.5% of the New Balance plus total billed interest charges and any fees, 
or (c) $35.00. Any New Balance less than $35 is payable in full. The Minimum Payment 
Due shown on your Account Statement will also include any amount past due and any amount 
by which your Account exceeds its credit limit. 

Although we may post payments as of the date we receive them, your Available Credit 
Limit may not be restored for up to 7 days after we receive your payment. If the Minimum 
Payment 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 Payment Due

How We Apply Payments. We apply payments up to the Minimum Payment Due at 
our discretion. This may result in balances at lower APRs being paid before other balances. This 
may also result in higher interest charges. Payments in excess of the Minimum Payment Due 
will be applied consistent with law.

Automatic Billing. You may set up automatic billing with a merchant. If your Account 
Number or expiration date changes, you authorize us to provide the merchant with this 
information at our discretion. To stop automatic billing, you must contact the merchant directly.

9. Prepayment. You may pay without penalty any portion of the entire New Balance or 
more than your Minimum Payment 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 INTEREST CHARGES
10. Monthly Periodic Rate. We determine the Monthly Periodic Rate by dividing the 
applicable APR by 12. 

11. Minimum Interest Charge. If you incur interest charges in any Billing Cycle that 
total less than $1.00, the interest charge that will be charged to your Account is $1.00, 
if interest plus any Cash Advance Fees, Balance Transfer Fees, Convenience Check Fees and 
International Transaction Fees are less than $1.00.

12. Annual Percentage Rate (APR).
(a) APR for Purchases, Balance Transfers and Cash Advances. Documents accompanying your 
Card, which are incorporated by reference into this Agreement, disclose the APR for Purchases 
and Cash Advances in effect when your Account is opened. Variable APR for Purchases. 
If the APR for Purchases is a variable rate based on the Prime Rate plus a margin, we will 
calculate the rate monthly by adding the applicable margin for those Transactions to the 
Prime Rate. (A “margin” is the percentage we add to the Prime Rate to calculate the APR.) 
This APR may vary (increase and decrease), but will not exceed 29.99% (corresponding 
Monthly Periodic Rate of 2.49916%). Any increase or decrease in the Prime Rate will result 
in an increase or decrease in your Monthly Periodic Rate and the APR, and as a result, the 
interest charge and the Minimum Payment Due will change and may result in a smaller part 
of your payment being applied to reduce principal. We determine the Prime Rate two business 
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 (WSJ) does not publish the prime rate, or if it 
changes the definition of Prime Rate, we may, at our sole discretion, substitute another index.

(b) For existing, Fixed Rate Secured Card, Mastercard and Visa customers. If your billing 
statement does not include a ‘v’ in the Interest Charge Calculation section, your account carries 
a fixed rate. A Non-Variable Monthly Periodic Interest Rate and corresponding APR will apply to 
all Transactions. The Non-Variable Interest Rate in effect on your account is listed in this Interest 
Charge Calculation Section.  

(c) Changes to Rates. Subject to Applicable Law, we may change the Monthly Periodic 
Rate and corresponding APR for Purchases and Cash Advances if you are in default of this 

2

Agreement, or if we, in our sole discretion and from time to time, decide to take such action. 
(Please see the sections of this Agreement entitled “Penalty APR for Payments Late by 60 
Days or More,” “Penalty APR for Other Default,” “Changes to this Agreement” and “Default.”)

(d) Introductory Purchase, Balance Transfer and Promotional APR Offers. At our discretion, we 
may offer you an introductory or promotional APR for all or a part of your Transactions. For 
example, we may offer you a promotional APR to encourage specific transactions, such as 
transferring balances from accounts you have with others, or an introductory APR for Purchases 
when you open an Account. The period of time for which the introductory or promotional APR 
applies may be limited. Any introductory or promotional APR offer will be subject to the terms 
of the offer and this Agreement. If applicable, we will disclose information regarding any 
introductory or promotional APRs and the period of time during which they are in effect in the 
document that accompanies your Card or in materials we send you about the offer after you 
obtain your Card. If (i) we receive a Minimum Payment Due after its Payment Due Date; (ii) 
your total outstanding balance exceeds your Account credit limit on the closing date of a Billing 
Cycle; or (iii) (A) a check, similar instrument or electronic payment order that you have used 
for payment on your Account has been returned to us unpaid for any reason, (B) we must 
return a check or other instrument because it is not signed or is otherwise incomplete, or (C) a 
Convenience Check used to access your Account is not honored for any reason, we may adjust 
the APR to the APR then in effect or the penalty APR, as applicable.

(e) Penalty APR for Payments Late by 60 Days or More. Subject to Applicable Law, we 
reserve the right to increase the APR to 29.99% (corresponding Monthly Periodic Rate of 
2.49916%) on all new and outstanding Account balances each time we do not receive at least 
the Minimum Payment Due within 60 days of its Payment Due Date, including when we do not 
receive the Minimum Payment 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 pay at least the Minimum Payment Due by the Payment Due 
Date for six (6) consecutive Billing Cycles. Any other variable or non-variable APR that would 
otherwise apply to new and outstanding Account balances will change to this penalty APR.

(f) Penalty APR for Other Default. Subject to Applicable Law, we reserve the right to increase 
the APR to 29.99% (corresponding Monthly Periodic Rate of 2.49916%) 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 Payment Due after its Payment Due Date 
but before 60 days after its Payment Due Date; (ii) your total outstanding balance exceeds 
your Account credit limit on the closing date of a Billing Cycle; or (iii) (A) a check, similar 
instrument or electronic payment order that you have used for payment on your Account has 
been returned to us unpaid for any reason, (B) we must return a check or other instrument 
because it is not signed or is otherwise incomplete, or (C) a Convenience Check used to access 
your Account is not honored for any reason. Once you become subject to this penalty APR, we 
may change your APR back to the respective APRs in effect for your Account (not including any 
promotional APR), but only if you pay at least the Minimum Payment Due by the Payment 
Due Date for six (6) consecutive Billing Cycles. Any other variable or non-variable APR that 
would otherwise apply to new Account balances will change to this penalty APR.

13. Balance Subject to Interest Charge and Interest Charges.
(a) Balance Subject to Interest Charge. We will treat all fees (excluding Cash Advance fees) 
as Purchases for the purpose of computing the average daily balance for Purchases. We will 
treat Cash Advance fees as Cash Advances for the purpose of computing the average daily 
balance for Cash Advances. We calculate the balances of Purchases that are subject to an 
interest 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 an interest 
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) Interest Charges. No interest 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, an 
interest 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.

3

An interest 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 an interest charge on Cash Advances.

The total interest charge for a Billing Cycle is the sum of the interest charges for Purchases 
and Cash Advances. To compute the periodic rate portion of interest 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 
interest charges for your Current Billing Cycle.

14. Fees.
Balance Transfer Fee. Unless your offer indicates otherwise, we will assess an interest 
charge in the form of a balance transfer fee equal to the greater of $5 or 4% of the total 
dollar amount of the balance you are transferring from another account to your Account.

Annual Fee. Certain cards have an annual fee. If your Card has an annual fee, the amount 
of the annual fee is disclosed in the application for your Account and also will be disclosed 
in the document that accompanies your Card. This fee is assessed for the use of the Account 
and associated services, and will be identified as a fee on your Account Statement in the first 
Billing Cycle after you open your Account and annually thereafter.

Cash Advance Fee. We will assess an interest 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 Payment 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 Payment 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 Payment Due for the Billing Cycle for which your payment was late.

International Transaction Fee. There is an interest charge in the form of a 
transaction fee equal to 3% of the U.S. dollar amount of each Foreign Transaction.
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 an 
interest 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 or Visa, depending on which Card is used, will convert the Transaction 
into a U.S. dollar amount. Mastercard and Visa will act in accordance with their operating 
regulations or conversion procedures in effect at the time the Transaction is processed. 
Currently, their regulations and procedures provide that the currency conversion rate used is 
either: (1) a wholesale market rate, or (2) a government-mandated rate in effect one day 
prior to the processing date. The currency conversion rate calculated in this manner that is in 
effect on the processing date may differ from the rate in effect on the transaction date or the 
posting date.

GENERAL PROVISIONS
16. Accepting this Agreement. This Agreement will be effective on either the date  
you sign or otherwise submit an application for the Account that we approve or the date 
you use, or someone you authorized uses, the Card or the Account, whichever is earlier. 
You agree that by using the Account or the Card, signing an Account application or other 
Account document or otherwise accepting the Account or the Card, you accept the terms and 
conditions of this Agreement.

17. Promise to Pay. By using your Card or your Account, you promise to pay us for all 
Transactions made on your Account, as well as any fees, interest 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.

18. Your Responsibility. You are responsible for all Transactions and other amounts 
posted to your Account arising from the authorized use of your Account or Card. If you 
have authorized another person to use your Account or Card in any way, we will deem 
your authorization to include the authorization to make Transactions of any kind using your 
Account or Card and to incur related fees and charges. We will also deem your authorization 
to continue until you revoke it by preventing that person from using your Account or Card. 
We are not responsible for controlling any person whom you have asked us to add to your 
Account or someone you let use your Account or Card. You should think carefully before 
allowing anyone to become an authorized user on your Account because you are allowing 
that person to use the Account as you can. If you wish to remove that person’s ability to use 
your Account or Card, you must notify us in writing. This notice will not be effective until we 
receive and have had a reasonable opportunity to act on it.

OUR RIGHTS AND HOW THEY AFFECT YOU
19. Delays in Enforcement. We can delay enforcing or not enforce any of our rights 
under this Agreement without losing our right to enforce them in the future. For example, 
we may accept late payments or payments that are marked “payment in full” or with other 
restrictive endorsements without losing any of our rights under this Agreement.

20. Termination. Subject to Applicable Law, we may terminate this Agreement or revoke 
your right to use your Account or Card, along with your right to make future Transactions, at 
any time and for any reason without notice to you. You or anyone you authorized to use the 
Card or Account may terminate your Account and use of your Card at any time by calling us 
at 800-972-3030, or writing to us at Fifth Third Bank, 5050 Kingsley Drive,  
MD: 1MOC2G, Cincinnati, Ohio 45227. Any request to terminate your Account will be 
effective after we have had a reasonable opportunity to act on such request. The termination 
of this Agreement, whether initiated by us or you, will not affect any of your or our rights 
and obligations under this Agreement. If this Agreement is terminated, you must still repay 
any amounts you owe us, even if we allow a Transaction to be completed with your Account 
or Card after this Agreement has been terminated. You agree to give to us or to destroy 
all of the Cards issued on your Account when we ask you to or when this Agreement is 
terminated. If someone attempts to use a Card after this Agreement is terminated, the Card 
may be retained. A Card also may be retained when you try to use it when certain other 
events occur.

21. Default. Subject to Applicable Law, your Account will be in default under this 
Agreement if any one of the following occurs: (a) you become generally unable to pay your 
debts, (b) you die or are declared legally incompetent, (c) you use a check or instrument 
for payment that is dishonored, (d) you fail to pay the Minimum Payment Due on or before 
your Payment Due Date, (e) any other creditor tries by legal process to take money of yours 
in our possession, (f) a petition is filed or other proceeding is commenced by or against you 
under the federal bankruptcy act or any other applicable federal or state insolvency laws, 
(g) you provide us with any false or misleading information, (h) you breach any of your 
other obligations under this Agreement, (i) you exceed your Account credit limit, (j) you are 
in default of any other credit agreement you have with us or any of our affiliates, or (k) we 
believe in good faith that you may not pay or perform your obligations under this Agreement. 
The payment of any fee charged by us will not cure the default that caused the fee.

22. Our Additional Rights When You Are in Default. If your Account is in 
default under this Agreement, we may, subject to Applicable Law, (a) require you to pay 
any portion of your outstanding Account balance immediately, (b) allow you to repay your 
Account subject to the terms and conditions of this Agreement, (c) immediately terminate 
your Account and cancel all Cards, (d) reduce your Account credit limit or otherwise limit 
your ability to make Transactions as discussed in this Agreement, (e) commence a legal 
proceeding against you to collect all amounts owed in connection with this Agreement, 
or (f) increase the APR for Purchases and Cash Advances. We also may charge you court 
costs and reasonable attorneys’ fees that we actually incur, as permitted by Applicable 
Law, if your Account is sent for collection to an attorney who is not our salaried employee. 
We will not be obligated to honor any attempted use of your Card or your Account if your 
Account is in default, or we have decided to terminate your Account or limit your ability to 
make Transactions as discussed in this Agreement. Except as otherwise provided for in this 
Agreement, interest charges will continue to accrue at the APR in effect at the time of default 
until your total Account balance, including such accrued interest 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.

23. Reevaluation of Financial Condition and Credit History. We may 
reevaluate your financial condition and investigate any information you provided on your 
Account application at any time. In the course of doing so, we may obtain a current credit 
report and ask you for additional information about your financial condition by completing a 
Personal Financial Statement or such other form that we request from time to time. You give 
us your permission to obtain any information about you that we believe would be beneficial 
to facilitate our determination of your eligibility for the Account and the Card, including credit 
reports from consumer reporting agencies. We may, as a result of any such re-evaluation, 
(i) increase your credit line; (ii) decrease your credit line; or (iii) deem your Account to be 
in default.

COMMUNICATIONS WITH US
24. Contact Us. Unless we tell you otherwise, you can notify us at Fifth Third Bank, 
Customer Service, MD: 1MOC2G, 5050 Kingsley Drive, Cincinnati, OH 45227, or call us at 
800-972-3030. When writing, please include your name, address, home telephone number 
and Account number.

25. Contact with You. To the extent permitted by applicable law, you authorize us and 
our affiliates, agents, and contractors, and anyone to whom we may sell your Account, to 
contact you to service your account or for collection purposes.

  •  You agree that these contacts are not unsolicited for purposes of any state or federal law;

  •  To contact you in any way, including mail, email, calls, and texts, including on a 

mobile, wireless, or similar device, even if you are charged by your provider, and using 
automated telephone equipment or prerecorded messages;

  •  To contact you at any number that you have given us or any number we have for you 
in our records, including your cellular or other wireless device, even if that number is 
a wireless, cellular or mobile number; is converted to a mobile/wireless number; or 
connects to any type of mobile/ wireless device; and even if such telephone number 
is currently listed on a Do Not Call Registry. You understand that communications may 
result in additional mobile, text message, data charges or other charges.

  •  To contact you at any email address you provide to us or any other person or company 

that provides any services in connection with this Agreement.

26. Monitoring and Recording. You authorize us to monitor and/or record your calls 
with us.

27. Updated Contact Information. You agree to notify us within 15 days after 
changing your e-mail address, mailing address, or phone number.

28. Military Lending Act Protections: Federal law provides important protections 
to members of the Armed Forces and their dependents relating to extensions of consumer 
credit. In general, the cost of consumer credit to a member of the Armed Forces and his 
or her dependent may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: The costs associated with 
credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified 
credit transactions or accounts); and any participation fee charged (other than certain 
participation fees for a credit card account). To receive this disclosure by phone, please call 
877-899-0815, option 4.

ARBITRATION AND JURY TRIAL WAIVER

NOTE:  If you are a Covered Borrower under the Military Lending Act 
Regulations, you are not required to submit to arbitration in the case of 
a dispute.  
If you were a Covered Borrower under the Military Lending Act 
Regulations with regard to any prior agreement, this arbitration clause 
does not cover any claims related to that prior agreement.
29. Claim. Any claim, dispute or controversy between you and us arising from or relating 
to this Agreement, any prior agreement that you may have had with us or the relationships 
resulting from the Agreement or any prior agreement, including the validity, enforceability 
or scope of this provision, the Agreement or any prior agreement. Claim includes claims of 
every kind and nature, including but not limited to initial claims, counterclaims, cross-claims 
and third-party claims and claims based upon contract, tort, fraud and other intentional 
torts, statute, common law and equity. The term Claim is to be given the broadest possible 
meaning and includes, by way of example and without limitation, any claim, dispute or 
controversy that arises from or relates to (a) the Account created by the Agreement or 
any prior agreement or any balances on the Account, (b) the Card, (c) the EFT services 
or Ready Reserve Overdraft Protection feature, (d) advertisements, promotions or oral or 

4

written statements related to the Card, the Account or the terms of financing, and (e) your 
use of the Card and the Account. 

If you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. 
We cannot elect to arbitrate a Claim with a Covered Borrower.  If you are not a Covered 
Borrower, you and we each agree that any Claim will be arbitrated instead of litigated in 
court under the circumstances and procedures set forth below. If arbitration is elected, any 
Claim will be resolved pursuant to this provision and the American Arbitration Association 
(“AAA”) rules and procedures (“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, if you have asserted a Claim in a lawsuit 
in court you may elect arbitration with respect to any Claim subsequently asserted in that 
lawsuit by any other party or parties. If we have asserted a Claim in a lawsuit in court, we 
may elect arbitration with respect to any Claim subsequently asserted in that lawsuit by 
any other party or parties, only if no other party is a Covered Borrower. 

IF ARBITRATION IS CHOSEN WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE 
THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, 
OR TO ENGAGE IN PREARBITRATION DISCOVERY EXCEPT AS PROVIDED FOR IN THE AAA 
RULES. FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE 
OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO 
ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR’S DECISION WILL BE FINAL 
AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO 
COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.

The AAA Rules and forms of the AAA may be obtained by calling 1-800-778-7879 or by 
visiting the AAA’s Web site at www.adr.org. All Claims must be filed at any AAA office.

There will be no authority for any Claims to be arbitrated on a class action basis. Any 
arbitration hearing that you attend will take place in the federal judicial district in which 
you reside. At your written request, we will temporarily advance up to $500 towards 
the filing, administrative and/or hearing fees for any Claim that you may file against 
us after you have paid an amount equivalent to the fee, if any, for filing such a Claim in 
state or federal court (whichever is less) in the judicial district in which you reside. At the 
conclusion of the arbitration, the arbitrator will decide who will ultimately be responsible 
for paying the filing, administrative and/or hearing fees in connection with the arbitration. 
Unless inconsistent with Applicable Law, each party will bear the expense of that party’s 
attorneys’, experts’ and witness fees, regardless of which party prevails in the arbitration.

This provision is made pursuant to a transaction involving interstate commerce and will be 
governed by the Federal Arbitration Act, 9 U. S. C. §§ 1 et seq., as amended  (“FAA”). 
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.

30. 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 interest 
charge, increasing or adding fees or charges (including annual fees), changing the method 
of computing balances subject to interest charge, changing your Account credit limit, 
changing the date upon which interest charges begin to accrue, changing the Minimum 
Payment 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 

5

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.

31. 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).

32. 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.

33. 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.

34. Privacy Policy. You authorize us to share information about you and your 
Account as permitted by law. See our Privacy Policy for details about our information 
sharing practices.

35. 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.

36. 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.

37. 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.

38. 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 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you 

why we believe the bill is correct.

While we investigate whether or not there has been an error:

•  We cannot try to collect the amount in question, or report you as delinquent on that amount.

•  The charge in question may remain on your statement, and we may continue to charge 

you interest on that amount.

•  While you do not have to pay the amount in question, you are responsible for the 

remainder of your balance.

•  We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

•  If we made a mistake: You will not have to pay the amount in question or any interest or 

other fees related to that amount.

•  If we do not believe there was a mistake: You will have to pay the amount in question, 
along with applicable interest and fees. We will send you a statement of the amount you 
owe and the date payment is due. We may then report you as delinquent if you do not 
pay the amount we think you owe.

If you receive our explanation but still believe your bill is wrong, you must write to us 
within 10 days telling us that you still refuse to pay. If you do so, we cannot report you 
as delinquent without also reporting that you are questioning your bill. We must tell you 
the name of anyone to whom we reported you as delinquent, and we must let those 
organizations know when the matter has been settled between us.

If we do not follow all of the rules above, you do not have to pay the first $50 of the 
amount you question, even if your bill is correct.

Your Rights If You Are Dissatisfied With Your Card Purchase 
If you are dissatisfied with the goods or services that you have purchased with your Card 
and you have tried in good faith to correct the problem with the merchant, you may have 
the right not to pay the remaining amount due on the Purchase. To use this right, all of the 
following must be true:

1. The Purchase must have been made in your home state or within 100 miles of 
your current mailing address, and the Purchase price must have been more than 
$50. (Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the 
goods or services.)

2. You must have used your Card for the Purchase. Purchases made with Cash 

Advances from an ATM do not qualify.

3. You must not yet have fully paid for the Purchase.

If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us 
in writing at: Fifth Third Bank, Attn: Disputes Resolution Department, 5050 Kingsley Drive, 
MD: 1MOC2G, Cincinnati, Ohio 45227.

While we investigate, the same rules apply to the disputed amount as discussed above.  
After we finish our investigation, we will tell you our decision. At that point, if we think you 
owe us an amount and you do not pay, we may report you as delinquent.

Fifth Third Bank, Member FDIC.

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.

39. Questions. If you have any questions about this Agreement or your Card, please 
contact us at 800-972-3030.

40. Section Headings. The Section headings used in this Agreement are only meant 
to organize this Agreement, and do not in any way limit or define your or our rights or 
obligations hereunder.

READY RESERVE OVERDRAFT PROTECTION, ELECTRONIC FUND 
TRANSFER AND ELECTRONIC BANKING SERVICES
41. Ready Reserve Overdraft Protection. You may set up this Account to cover 
overdrafts on your checking Account. If you do, then the terms of this Agreement and the 
Rules and Regulations Applicable to All Fifth Third Bank Consumer and Business Banking 
Accounts and Cards will apply. For purposes of this Agreement, Ready Reserve Overdraft 
Protection transactions will be treated as Cash Advances, subject to the Cash Advance APR. If 
you enroll in Ready Reserve Overdraft Protection, you may use your credit card to withdraw 
from your checking account at an ATM by entering your PIN and selecting withdraw from 
checking when prompted. There will be no fee for this service if you have sufficient funds in 
your checking account to cover the amount of the transaction.

42. Use of Card for Electronic Fund Transfer (EFT) and  
Electronic Banking Services. If you use your Card as an ATM card, the terms of this 
Agreement and your checking account agreement titled, “Rules and Regulations Applicable 
to All Fifth Third Bank Consumer and Business Banking Accounts and Cards”, will apply.

43. Electronic Access. Smart phones, tablets, and other electronic devices can store 
your Card (such as through a mobile wallet). This means they can be used to get credit 
under this Agreement. Any such transaction is covered by this Agreement. Secure your 
mobile device against unauthorized access. Anyone who can access your Card using your 
device can make charges to your Account. Apps that use your Card to get credit may 
have separate terms of use. We are not responsible if you violate those terms or for any 
consequences from violating those terms.

YOUR BILLING RIGHTS – KEEP THIS DOCUMENT 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, Attn: Disputes Resolution Department  
5050 Kingsley Drive, MD: 1MOC2G, Cincinnati, OH 45227.

You may also contact us at 877-833-6197, Monday through Friday 7 AM to 8 PM (EST) 
and Saturday 8:30 AM to 5 PM (EST).

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 may notify us of any potential errors in writing or by calling us. 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 us as soon as possible at 800-782-0279.

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.

6

F03-S926-3 -0917 OL

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

Loss  of  Introductory  APR:  We  may  end  your  introductory  APR  for  Purchases  and 
Balance Transfers and apply the Penalty Rate if you make a late payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise 
those rights is provided in your Account Agreement.  

Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 6/30/2017. 

Variable APRs for Purchases and Balance Transfers: The Purchase and Balance 
Transfer APR is calculated using the Prime Rate (“Prime”) plus a margin (percentage we add 
to Prime) of 9.74%, 12.74%, 15.74% or 20.74%.  

Monthly Periodic Rate for Purchases and Balance Transfers is 1.16583% to 2.08250%. 
The Monthly Periodic Rate for Cash Advances is 2.08250%. The Monthly Periodic Rate for 
Penalty is 2.49916%.

Variable  Based  on  Prime: The Prime Rate means the Prime Rate published in the 
“Money Rates” section of the online version of The Wall Street Journal (WSJ). We determine 
the Prime Rate two business days prior to the closing date of your Billing Cycle. Changes to 
the Monthly Periodic Rate and corresponding APR for Purchases and Balance Transfers 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 Prime Rate will result in an increase or decrease in your Monthly Periodic Rate and the 
APR, and as a result, the interest charge and the Minimum Payment Due will change and 
may result in a smaller part of your payment being applied to reduce principal.

Fees and Credit Disclosures for  
Stand Up To Cancer® Credit Card

Interest Rates and Interest Charges

Annual  
Percentage  
Rate (APR)  
for Purchases:

APR for 
Balance 
Transfers:

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

For Credit Card  
Tips from the 
Consumer 
Financial
Protection 
Bureau

FEES

Annual Fees

• Annual Fee

Transaction Fees

•  Balance Transfer

•  Cash Advance

0% introductory APR for the first 12 Billing Cycles after the 
account is opened. 

After that, your APR will be  
13.99% to 24.99%, based on your 
creditworthiness. This APR will vary  
with the market based on the Prime Rate.

0% introductory APR for the first 12 Billing Cycles after the 
account is opened. 

After that, your APR will be 13.99% to 24.99%,  
based on your creditworthiness. This APR will vary with the 
market based on the 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 23 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. 

If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when 
applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

None

Either $5 or 4% of the amount of each transfer, whichever  
is greater.

Either $5 or 4% of the amount of each Cash Advance,  
whichever is greater.

•  Convenience Check

Either $5 or 4% of the amount of each check, whichever  
is greater.

•  International  
Transaction

Penalty Fees

•  Late Payment

3% of each credit card transaction in U.S. dollars.

Up to $35

7

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

Billing  Rights: Information on your rights to dispute transactions and how to exercise 
those rights is provided in your Account Agreement.

Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 6/30/2017.

Variable APRs for Purchases, Balance Transfers and Cash Advances: The 
Purchase  and  Balance  Transfer  APR  is  calculated  using  the  Prime  Rate  (“Prime”)  plus  a 
margin (percentage we add to Prime) of 1.99%. The Cash Advance APR is calculated using 
Prime plus a margin of 14.99%.  

Monthly  Periodic  Rate  for  Purchases  and  Balance  Transfers  is  0.52000%.  The  
Monthly  Periodic  Rate  for  Cash  Advances  is  1.60333%.  The  Monthly  Periodic  Rate  for 
Penalty is 2.49916%.

Variable  Based  on  Prime:  The  Prime  Rate  means  the  Prime  Rate  published  in  the 
“Money Rates” section of the online version of The Wall Street Journal (WSJ). We determine 
the Prime Rate two business days prior to the closing date of your Billing Cycle. Changes to 
the Monthly Periodic Rate and corresponding APR for Purchases, Balance Transfers and Cash 
Advances 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 Prime Rate will result in an increase or decrease in your Monthly 
Periodic Rate and the APR, and as a result, the interest charge and the Minimum Payment 
Due will change and may result in a smaller part of your payment being applied to reduce 
principal. 

Employee Platinum Rewards Card Fees  
and Credit Disclosures

Interest Rates and Interest Charges

Annual  
Percentage  
Rate (APR)  
for Purchases:

APR for 
Balance 
Transfers:

6.24%. This APR will vary with the market based on the 
Prime Rate.  

6.24%. This APR will vary with the market based on the 
Prime Rate.  

APR for Cash 
Advances

19.24%. This APR will vary with the market based on the 
Prime Rate.

Penalty APR 
and When it 
Applies

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 23 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. 

If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when 
applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

None

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.

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

For Credit Card  
Tips from the 
Consumer 
Financial
Protection 
Bureau

FEES

Annual Fees

• Annual Fee

Transaction Fees

•  Balance Transfer

•  Cash Advance

•  Convenience Check

Either $5 or 4% of the amount of each check, whichever  
is greater.

•  International  
Transaction

Penalty Fees

•  Late Payment

3% of each credit card transaction in U.S. dollars.

Up to $35

8

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily 
balance (including new purchases).”

Billing Rights: Information on your rights to dispute transactions and how to exercise 
those rights is provided in your Account Agreement.  

Prime Rate: Variable APRs are based on the 4.25% Prime Rate as of 6/30/2017.

Variable APRs for Purchases and Balance Transfers: The Purchase and Balance 
Transfer APR is calculated using the Prime Rate (“Prime”) plus a margin (percentage we 
add to Prime) of 20.74%.

Monthly  Periodic  Rate  for  Purchases  and  Balance  Transfers  is  2.08250%.  The  
Monthly  Periodic  Rate  for  Cash  Advances  is  2.08250%.  The  Monthly  Periodic  Rate  for 
Penalty is 2.49916%.

Variable  Based  on  Prime: The Prime Rate means the Prime Rate published in the 
“Money Rates” section of the online version of The Wall Street Journal (WSJ). We determine 
the Prime Rate two business days prior to the closing date of your Billing Cycle. Changes to 
the Monthly Periodic Rate and corresponding APR for Purchases and Balance Transfers 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 Prime Rate will result in an increase or decrease in your Monthly Periodic Rate and the 
APR, and as a result, the interest charge and the Minimum Payment Due will change and 
may result in a smaller part of your payment being applied to reduce principal.

Secured Card Fees and Credit Disclosures

Interest Rates and Interest Charges

Annual  
Percentage  
Rate (APR)  
for Purchases 
and Balance 
Transfers

APR for Cash 
Advances

Penalty APR 
and When it 
Applies

How to 
Avoid Paying 
Interest on 
Purchases

Minimum 
Interest 
Charge

For Credit Card  
Tips from the 
Consumer 
Financial
Protection 
Bureau

FEES

Annual Fees

• Annual Fee

Transaction Fees

•  Balance Transfer

•  Cash Advance

24.99%.   
This APR will vary with the market based on the 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 23 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. 

If you are charged interest, the charge will be no less than $1.00.

To learn more about factors to consider when 
applying for or using a credit card, visit the website 
of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore.

$24.00

Either $5 or 4% of the amount of each transfer, whichever  
is greater.

Either $5 or 4% of the amount of each Cash Advance,  
whichever is greater.

•  Convenience Check

Either $5 or 4% of the amount of each check, whichever  
is greater.

•  International  
Transaction

Penalty Fees

•  Late Payment

3% of each credit card transaction in U.S. dollars.

Up to $35

9