Fifth Third Columbus Zoo Credit Card and Standard Platinum MasterCard^® Terms and Conditions

I (which means the Applicant and any Joint Applicant) certify that (a) I am at least 18 years of age, (b) I am a United States citizen or a permanent resident of the United States, (c) I have read and understand the terms, authorizations and disclosures included with this application, including arbitration, and agree to them, and (d) all of the information contained in this application is true, accurate and correct. I authorize Fifth Third Bank to investigate, review and verify my credit and employment histories and any other information in order to process this application, service my credit card account, manage its relationship with me and for any other legitimate business purpose. I authorize Fifth Third Bank to share with others to the extent permitted by law, such information and its credit experience with me. In addition, I may as a customer later request that Fifth Third Bank limit such information sharing with third parties. To the extent permitted by applicable law, I consent that Fifth Third may contact me at any telephone number that I have provided, any number that I have called Fifth Third from or any number Fifth Third has for me in its records, including my cellular or other wireless device to service my account or for collection purposes. Fifth Third has my permission to contact me by any means available, including by text message. I also agree that Fifth Third may contact me using prerecorded messages or automatic dialers. If I provide Fifth Third an email address, I also consent to contact by email. If I accept or use a credit card account, I acknowledge that any such acceptance or use is subject to the terms of this application, the Card Agreement and (if applicable the Ready Reserve Agreement, each as in effect from time to time, and I acknowledge and agree that each of us, together and individually, is responsible for all transactions, amounts owed and other obligations, even if the credit card account is used by only one of us. I acknowledge that Fifth Third Bank will mail me a copy of the Card Agreement and other applicable agreements if it approves this application. If I have completed the Balance Transfer Request, I certify that I have read and understand the terms and disclosures applicable to balance transfers included in the application and authorize Fifth Third Bank to complete my balance transfer request.

IMPORTANT NOTICE: I acknowledge and agree that Fifth Third Bank will initially determine my eligibility for a Columbus Zoo Credit Card issued by Fifth Third Bank described both in this application and the accompanying Columbus Zoo Credit Card Rate & Fee Disclosures. If I am not approved for a Columbus Zoo Credit Card, Fifth Third Bank may determine my eligibility for a Standard Platinum MasterCard account issued by Fifth Third Bank described in the accompanying Standard Platinum MasterCard Rate & Fee Disclosures. The rates, fees and other costs and terms of the Columbus Zoo Credit Card and the Standard Platinum MasterCard products are different (including any Introductory Annual Percentage Rate offers).

Interest Rates and Interest Charges

Columbus Zoo Credit Card		Standard Platinum MasterCard®
Annual Percentage Rate (APR) for Purchases	0% introductory APR for the first 12 Billing Cycles. After that, your APR will be 12.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate.	0% introductory APR for the first 6 Billing Cycles. After that, your APR will be 10.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate.
APR for Balance Transfers	0% introductory APR for the first 12 Billing Cycles. After that, your APR will be the standard APR for Purchases and will be 12.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate.	0% introductory APR for the first 6 Billing Cycles. After that, your APR will be the standard APR for Purchases and will be 10.99% to 23.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate.
APR for Cash Advances	24.99%
Penalty APR and When it Applies	29.99% This APR may be applied to your account if you: Make a late payment; Make a payment that is returned; 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.
How to Avoid Paying Interest on Purchases	Your due date is at least 21 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month.
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 http://www.consumerfinance.gov/learnmore.

Fees
Annual Fees • Annual Fee	$0
Transaction Fees • Balance Transfer • Cash Advance • International Transaction	Either $5 or 4% of the amount of each transfer, whichever is greater. Either $5 or 4% of the amount of each Cash Advance, whichever is greater. 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 APR in effect or the Penalty APR if you make a late payment, make a payment that is returned or use a Convenience Check that is not honored.

Transaction and Other Fees will appear on your monthly Account Statement. Fees may increase your Minimum Amount Due on your next monthly statement depending upon the size of the transaction or fee type. Refer to the Payments Section of the Fifth Third Bank Card Agreement for Minimum Amount Due information.

Details of Columbus Zoo Credit Card and Standard Platinum MasterCard^® Conditions, Rate, Fee, and Other Cost Information

Other Fees: Convenience Check Fee: Either $5 or 4% of the total dollar amount of each check, whichever is greater; Expedited Card Delivery Fee: $30.00 per Account; Replacement Card Fee: $10.00.

Information contained in this Fifth Third Bank Disclosure is accurate as of 9/19/2013 and is subject to change thereafter. To obtain more recent information, please call us at 1-888-676-5353.

If you apply for a non-rewards product, you may qualify for a lower APR.

The WSJ Prime Rate means the prime rate published in the "Money Rates" section of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. Changes to the Monthly Periodic Rate and corresponding APR for Purchases will be applied to your existing Account balance and to subsequent transactions effective the first day of the Billing Cycle in which we determine the interest rate.

Balance Transfer Requests will be processed in the order in which you list them, subject to a minimum of $100 per transfer. Up to ten balance transfers may be requested at one time. 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. 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 can be used to pay off non-credit card obligations; however, balance transfers cannot be used to pay off other Fifth Third Bank obligations. A balance transfer fee (greater of $5.00 or 4% of the total dollar amount transferred) will be applied to your account when the requested transfer is processed. The Fee, and the transfer transaction, will appear on your monthly Account Statement. Fees may increase your Minimum Amount Due on your next monthly statement depending upon the size of the transaction. Refer to the Payments Section of the Fifth Third Bank Card Agreement for Minimum Amount Due information.

California Residents: A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflected on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. New York Residents: A consumer report may be requested in connection with this application. Upon your request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made. New York residents may contact the New York State Department of Financial Services (DFS) to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Services: 1-877-226-5697 or http://www.dfs.ny.gov/consumer/creditdebt.htm. 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. Rhode Island Residents: A credit report may be requested in connection with this application. 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 3 name and address of the agency that furnished the report. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of a marital property agreement, a unilateral statement under Section 766.59 of the Wisconsin Statutes or a court decree under Section 766.70 of the Wisconsin Statutes adversely affects the interests of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. The creditor may give notice of the opening of any credit account to the applicant's spouse. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.

Arbitration: The Agreement includes an arbitration provision that allows either of us to elect to resolve, among other things, any Claim by arbitration, in which case, neither of us generally will have the right to have the Claim resolved by a judge or jury. You will not have the right to participate as a representative or member of any class of claimants pertaining to any claim, controversy or dispute subject to arbitration. Other rights that you would have if you went to court may also not be available in arbitration. For additional information, see the Agreement or write to us at: Fifth Third Bank, Madisonville Operations Center, 1MOC23, Cincinnati, Ohio 45227.

Customer Identification Program: In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account. This includes all personal and commercial accounts including loan and deposit accounts, as well as trust, brokerage, insurance and investment management accounts.

What This Means To Our Customers: When you open an account, you will be asked for your name, address, Social Security or tax identification number, date of birth (if applicable) and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver's license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Fifth Third. Thank you for helping us to follow this Federally mandated procedure.

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.

This offer is non-transferable and void to residents not residing in FL, GA, IL, IN, KY, MI, MO, NC, OH, PA, SC, TN, WI and WV.

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.

MasterCard is a registered trademark of MasterCard International Incorporated.

Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. Member FDIC.