Consumer Credit Card Application, Terms, Conditions, Rates and Fees for:

Transcription

1 Consumer Credit Card Application, Terms, Conditions, Rates and Fees for: TRIO SM Credit Card Truly Simple SM Credit Card Stand Up To Cancer Credit Card Instructions for Bankers: 1. Print entire Application/Disclosure document 2. Provide applicable Interest Rates and Interest Charges page to applicant: Page 2 and 3 to customers applying for TRIO SM Credit Card Page 4 and 5 to customers applying for Truly Simple SM Credit Card Page 6 and 7 to customers applying for the Stand Up To Cancer Credit Card 3. Complete application and obtain applicant signature 4. Enter application data into Open Credit Card (OCC) 5. Send signed paper application and OCC generated application for imaging per Retail Procedures to MD:1MOCBU Secured Card Application/Disclosure is located in the Forms Library 10/2016

2 TRIO SM Credit Card Rates, Fees, Terms and Conditions Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances How to Avoid Paying Interest on Purchases 14.24% to 23.24% when you open your account, based on your creditworthiness. After that, your 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 14.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate %. This APR will vary with the market based on the Prime Rate. 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. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau 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 Fees Annual Fee Transaction Fees Balance Transfer Cash Advance Convenience Check 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. Either $5 or 4% of the amount of each check, whichever is greater. International Transaction None Penalty Fees Late Payment Up to $35 How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Important information about Introductory or Promotional Rates: To avoid paying interest after the Promotional Rate expires, you must pay your entire balance on your billing statement by the payment due date. For More Information: Call Fifth Third Bank at New York residents may contact the New York State Department of Financial Services at (800) or for comparative information on credit card rates, fees, and grace periods. Terms and Conditions of the TRIO SM Credit Card You (which means the Applicant) certify that (a) you are at least 18 years of age, (b) you are a United States citizen or a permanent resident of the United States, (c) you have read and understand the terms, authorizations, and disclosures included with this application and agree to them, and (d) all of the information contained in this application is true, accurate, and correct. You authorize Fifth Third to investigate, review, and verify your credit and employment histories and any other information in order to process this application, service your credit card account, and manage its relationship with you. You authorize Fifth Third to share with others to the extent permitted by law, such information and its credit experience with you. In addition, you may as a customer later request that Fifth Third limit such information sharing with third parties. If you accept or use a credit card account, you acknowledge that any such acceptance or use is subject to the terms of this application and the Card Agreement. You acknowledge that Fifth Third will mail you a copy of the Card Agreement and other applicable agreements if your application is approved. If you have completed the Balance Transfer Request, you certify that you have read and understand the terms and disclosures applicable to balance transfers included in the application and authorize Fifth Third to complete your balance transfer request. 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 also agree that these contacts are not unsolicited for purposes of any state or federal law. You agree to contact in any way, including mail, , 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. You agree to contact at any number that you have given us or any 2 10/2016

3 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. You also agree to contact at any address you provide to us or any other person or company that provides any services in connection with your account. Information contained in this Fifth Third Bank Disclosure is accurate as of 10/6/2016 and may have changed after that date. To obtain more recent information, please call us at New Account Bonus Offer: Offer not available to existing Fifth Third consumer credit card customers or those with a Fifth Third consumer credit card account that has been closed within the last 12 months prior to account opening. To qualify for the new account bonus worth $100, you must make purchases totaling $1,000 or more during the first 90 days from account opening. Upon reaching the purchase qualification, you will receive 10,000 Real Life Rewards Points which can be redeemed for $100 cash back. Qualifying purchases are defined below. Please allow 6 to 8 weeks after reaching the purchase qualification for points to be awarded. Your account must be open and in good standing at the time the bonus points are awarded. Bonus points awarded may be subject to tax and you should consult your tax advisor to determine tax requirements. Bonus Rewards: Earn 3 Rewards Points (3% cash back) for each $1 spent on qualified restaurant Purchases and earn 2 Rewards Points (2% cash back) for each $1 spent on qualified gas, grocery store, and drug store Purchases (on up to $1,500 in combined qualified Purchases per calendar quarter). Earn 1 Rewards Point (1% cash back) for each $1 spent on qualified Purchases after $1,500. See the Rewards Terms and Conditions at 53.com/rewards for important information including details about: (1) Purchases: dollar value of goods and services, minus credits and adjustments, excluding fees and other items. (2) Categories: Merchants card readers are assigned to categories which determine how a transaction is characterized for Rewards purposes. We do not control which categories card readers are assigned to. (3) Changes: The Program may change. (4) Expiration: Some Points expire. Balance transfer requests will be processed in the order in which you list them. If a balance transfer request is more than your Available Credit Limit we will automatically lower the balance transfer amount to your Available Credit Limit and complete the transfer, subject to a minimum of $100 per transfer. Until your balance transfer(s) is posted, you may need to make a payment or payments to your other accounts to keep them current. Balance transfers are not subject to a grace period, and may take 2 to 4 weeks to process. Balance transfers cannot be used to pay off other Fifth Third Bank obligations. A balance transfer fee (greater of $5 or 4% of the total dollar amount transferred) will be applied to your account when the requested transfer is processed. Governing Law: Ohio law governs this Agreement and your Account. They govern without regard to internal principles of conflicts of laws. California Residents: A married applicant may apply for a separate account. New York, Rhode Island, and Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit granted as a result of this application. Upon request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. You consent to the obtaining of such reports by signing or otherwise submitting a credit application. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that all credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement, or court decree adversely affects our rights unless you give us a copy of the agreement, statement, or decree before we grant you credit or we have actual knowledge of the adverse provision before your account is opened. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. To process your application we will ask for your name, street address, date of birth, and other identifying information. We may also ask for identifying documents. We are required to follow this procedure each time an account is opened. Rates, Fees, and Terms May Change: As described in the Agreement, we reserve the right to change the terms of your account (including APRs) at any time, for any reason, in addition to the APR increases that may occur for failure to comply with the terms of your account. We also reserve the right to change the benefit features associated with your card at any time. Fair and Accurate Credit Transactions Disclosures: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. This offer is not available to applicants residing in VT and MT. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. 3 10/2016

4 Truly Simple SM Credit Card Rates, Fees, Terms and Conditions Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash Advances How to Avoid Paying Interest on Purchases 0% introductory APR for the first 15 billing cycles after the account is opened. After that, your APR will be 12.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 0% introductory APR for the first 15 billing cycles after the account is opened. After that, your APR will be 12.24% to 23.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate %. This APR will vary with the market based on the Prime Rate. 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. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau 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 Fees Annual Fee Transaction Fees Balance Transfer Cash Advance Convenience Check 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. Either $5 or 4% of the amount of each check, whichever is greater. International Transaction 3% of each transaction in U.S. dollars. Penalty Fees Late Payment Up to $35 How We Will Calculate Your Balance: How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Important information about Introductory or Promotional Rates: To avoid paying interest after the Promotional Rate expires, you must pay your entire balance on your billing statement by the payment due date. For More Information: Call Fifth Third Bank at New York residents may contact the New York State Department of Financial Services at (800) or for comparative information on credit card rates, fees, and grace periods. 4 10/2016

5 Terms and Conditions of the Truly Simple SM Credit Card You (which means the Applicant) certify that (a) you are at least 18 years of age, (b) you are a United States citizen or a permanent resident of the United States, (c) you have read and understand the terms, authorizations, and disclosures included with this application and agree to them, and (d) all of the information contained in this application is true, accurate, and correct. You authorize Fifth Third to investigate, review, and verify your credit and employment histories and any other information in order to process this application, service your credit card account, and manage its relationship with you. You authorize Fifth Third to share with others to the extent permitted by law, such information and its credit experience with you. In addition, you may as a customer later request that Fifth Third limit such information sharing with third parties. If you accept or use a credit card account, you acknowledge that any such acceptance or use is subject to the terms of this application and the Card Agreement. You acknowledge that Fifth Third will mail you a copy of the Card Agreement and other applicable agreements if your application is approved. If you have completed the Balance Transfer Request, you certify that you have read and understand the terms and disclosures applicable to balance transfers included in the application and authorize Fifth Third to complete your balance transfer request. 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 also agree that these contacts are not unsolicited for purposes of any state or federal law. You agree to contact in any way, including mail, , 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. You agree to contact 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. You also agree to contact at any address you provide to us or any other person or company that provides any services in connection with your account. Information contained in this Fifth Third Bank Disclosure is accurate as of 10/6/2016 and may have changed after that date. To obtain more recent information, please call us at Balance transfer requests will be processed in the order in which you list them. If a balance transfer request is more than your Available Credit Limit we will automatically lower the balance transfer amount to your Available Credit Limit and complete the transfer, subject to a minimum of $100 per transfer. Until your balance transfer(s) is posted, you may need to make a payment or payments to your other accounts to keep them current. Balance transfers are not subject to a grace period, and may take 2 to 4 weeks to process. Balance transfers cannot be used to pay off other Fifth Third Bank obligations. A balance transfer fee (greater of $5 or 4% of the total dollar amount transferred) will be applied to your account when the requested transfer is processed. Governing Law: Ohio law governs this Agreement and your Account. They govern without regard to internal principles of conflicts of laws. California Residents: A married applicant may apply for a separate account. New York, Rhode Island, and Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit granted as a result of this application. Upon request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. You consent to the obtaining of such reports by signing or otherwise submitting a credit application. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that all credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement, or court decree adversely affects our rights unless you give us a copy of the agreement, statement, or decree before we grant you credit or we have actual knowledge of the adverse provision before your account is opened. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. To process your application we will ask for your name, street address, date of birth, and other identifying information. We may also ask for identifying documents. We are required to follow this procedure each time an account is opened. Rates, Fees, and Terms May Change: As described in the Agreement, we reserve the right to change the terms of your account (including APRs) at any time, for any reason, in addition to the APR increases that may occur for failure to comply with the terms of your account. We also reserve the right to change the benefit features associated with your card at any time. Fair and Accurate Credit Transactions Disclosures: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. This offer is not available to applicants residing in VT and MT. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. 5 10/2016

6 Stand Up To Cancer Credit Card Rates, Fees, Terms And Conditions Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Balance Transfers 0% introductory APR for the first 12 Billing Cycles after the account is opened. After that, your APR will be 13.24% to 24.24% 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 13.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances 24.99% Penalty APR and When it Applies How to Avoid Paying Interest on Purchases 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 each month. Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau 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 Fees Annual Fee None Transaction Fees Balance Transfer Cash Advance Convenience Check 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. Either $5 or 4% of the amount of each check, whichever is greater. 3% of each transaction in U.S. dollars. Penalty Fees Late Payment Up to $35 How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Loss of Introductory APR: We may end your introductory APR for Purchases and Balance Transfers and apply the Penalty Rate if you make a late payment. Important information about Introductory or Promotional Rates: To avoid paying interest after the Promotional Rate expires, you must pay your entire balance on your billing statement by the payment due date. For More Information: Call Fifth Third Bank at New York residents may contact the New York State Department of Financial Services at (800) or for comparative information on credit card rates, fees, and grace periods. 6 10/2016

7 Terms and Conditions of the Stand Up To Cancer Credit Card You (which means the Applicant) certify that (a) you are at least 18 years of age, (b) you are a United States citizen or a permanent resident of the United States, (c) you have read and understand the terms, authorizations, and disclosures included with this application and agree to them, and (d) all of the information contained in this application is true, accurate, and correct. You authorize Fifth Third to investigate, review, and verify your credit and employment histories and any other information in order to process this application, service your credit card account, and manage its relationship with you. You authorize Fifth Third to share with others to the extent permitted by law, such information and its credit experience with you. In addition, you may as a customer later request that Fifth Third limit such information sharing with third parties. If you accept or use a credit card account, you acknowledge that any such acceptance or use is subject to the terms of this application and the Card Agreement. You acknowledge that Fifth Third will mail you a copy of the Card Agreement and other applicable agreements if your application is approved. If you have completed the Balance Transfer Request, you certify that you have read and understand the terms and disclosures applicable to balance transfers included in the application and authorize Fifth Third to complete your balance transfer request. 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 also agree that these contacts are not unsolicited for purposes of any state or federal law. You agree to contact in any way, including mail, , 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. You agree to contact 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. You also agree to contact at any address you provide to us or any other person or company that provides any services in connection with your account. Information contained in this Fifth Third Bank Disclosure is accurate as of 10/6/2016 and may have changed after that date. To obtain more recent information, please call us at Balance Transfer Requests will be processed in the order in which you list them. If a balance transfer request is more than your Available Credit Limit, we will automatically lower the balance transfer amount to your Available Credit Limit and complete the transfer, subject to a minimum of $100 per transfer. Until your balance transfer(s) is posted, you may need to make a payment or payments to your other accounts to keep them current. Balance transfers are not subject to a grace period, and may take 2 to 4 weeks to process. Balance transfers cannot be used to pay off other Fifth Third Bank obligations. A balance transfer fee (greater of $5 or 4% of the total dollar amount transferred) will be applied to your account when the requested transfer is processed. Governing Law: Ohio law governs this Agreement and your Account. They govern without regard to internal principles of conflicts of laws. California Residents: A married applicant may apply for a separate account. New York, Rhode Island, and Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals, or extensions of any credit granted as a result of this application. Upon request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. You consent to the obtaining of such reports by signing or otherwise submitting a credit application. Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that all credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement, or court decree adversely affects our rights unless you give us a copy of the agreement, statement, or decree before we grant you credit or we have actual knowledge of the adverse provision before your account is opened. Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. To process your application we will ask for your name, street address, date of birth, and other identifying information. We may also ask for identifying documents. We are required to follow this procedure each time an account is opened. Rates, Fees, and Terms May Change: As described in the Agreement, we reserve the right to change the terms of your account (including APRs) at any time, for any reason, in addition to the APR increases that may occur for failure to comply with the terms of your account. We also reserve the right to change the benefit features associated with your card at any time. Fair and Accurate Credit Transactions Disclosures: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. This offer is not available to applicants residing in AK, HI, LA, MS, AR, AL, VT, and MT. Stand Up To Cancer is a registered service mark of The Entertainment Industry Foundation. Fifth Third Bank, Member FDIC. Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. 7 10/2016

8 FIFTH THIRD BANK CONSUMER CREDIT CARD APPLICATION APPLY HERE. Please print with black ink. Please select only one card. If a card is not selected, your application will be processed for the Truly Simple SM Card. Stand Up To Cancer Credit Card (PL1MB/SU2C) TRIO SM Card (PL3MB/RM99) Truly Simple SM Card (PL2MB/NM99) Applicant First Name Middle Last Social Security # - - Date of Birth m m d d y y y y Home Phone # - - Home Address (Cannot be a P.O. Box or Business Address) Mobile Phone # - - City State Zip Code Address Own Rent Other How Long? Yrs. Mos. If own, estimated value Monthly Payment Employer Employer Phone # - - Employment Status: Full Time Salary/Hourly; Part Time Salary/Hourly; Commission Income; Self Employed; Retired; Homemaker; Student; Farmer; Unemployed; Other Gross Annual Income Your gross annual income can include money received from several resources. Some examples of income are: salaries, investments, social security benefits, or retirement. If you are 21 or older and regularly use income from others to pay your bills, you can include that too. Identification Type Identification Number Issue State/Country (i.e.: Driver s License, State ID Card, Passport, Alien ID Card, Mexican Consulate, Other) Expiration Date: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to rely on it as a basis for repaying this obligation. Applicants under 21 years old must demonstrate an independent ability to pay the debt. ADD AUTHORIZED USER(S): An Authorized User is a person you have designated to have access to your credit card account. A card will be issued in their name and they will be able to make transactions just like you, but you maintain sole responsibility for the account. You may add up to three Authorized Users with no credit approval necessary. Authorized User First Name Middle Last Social Security # - - Date of Birth m m d d y y y y Address Primary Phone # - - Home Address (Cannot be a P.O. Box or Business Address) City State Zip Code Authorized User First Name Middle Last Social Security # - - Date of Birth m m d d y y y y Address Primary Phone # - - Home Address (Cannot be a P.O. Box or Business Address) City State Zip Code Authorized User First Name Middle Last Social Security # - - Date of Birth m m d d y y y y Address Primary Phone # - - Home Address (Cannot be a P.O. Box or Business Address) City State Zip Code By signing this application, you: (1) acknowledge that you have reviewed the credit card Terms and Conditions; and (2) agree to submit your application for this credit card subject to those Terms and Conditions. Signature of Applicant Date For Office Use Only: Affiliate # Selling # Referring # Banking Center # 8 UNIVAPP /2016