Fifth Third Private Banking Services

1. Credit Card subject to credit review and approval. Annual Percentage Rate (APR) on Purchases and Balance Transfers is 9.49%. After account opening, this APR will vary with the market based on the WSJ Prime Rate. Cash Advance APR: 24.99%. Penalty APR: 29.99% may be applied to the Account in the event of a late payment. If APRs are increased because of a late payment, the Penalty APR will apply until six consecutive minimum payments are made when due.
2. Certain terms, conditions and exclusions apply. See the applicable Fifth Third Bank MasterCard Guide to Benefits for more details and a complete explanation of card benefits and services.
3. $50 minimum deposit required to open a checking account.
4. INTEREST INFORMATION - Please request a PCA or Private Bank checking Rate Sheet for the interest rates and annual percentage yields paid on this interest-bearing account. The interest rate and annual percentage yield may change. At the bank's discretion, the bank may change the interest rate and annual percentage yield at any time on your account. Your interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest on your account will be compounded continuously and credited on your monthly statement date. The bank uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in your account each day. If an account is closed before interest is credited, you will not receive any accrued interest.
5. FDIC Insurance. The FDIC protects the depositors of insured Banks against the loss of their deposits due to a bank failure. The standard insurance amount is $250,000 per depositor. Insurance coverage is dependent upon account ownership categories and subject to FDIC requirements. Sweep Arrangements. Federal law requires all insured depository institutions to provide the following disclosure to their customers regarding the effect that a sweep arrangement may have on FDIC insurance coverage. Sweep arrangements involving deposit - to - deposit transfers are insured by the FDIC, subject to FDIC requirements. Insurance coverage is dependent upon account ownership categories (e.g. single, joint, revocable trust). If there is a change in account ownership, the funds are aggregated with the deposit account balances of the new owner(s) and insured up to the maximum amount permitted by law. Funds swept via a sweep arrangement that transfers funds from an insured deposit account to a non-deposit investment vehicle or account are not considered a deposit and are not insured by the FDIC. These funds will have general unsecured creditor status. Repurchase Agreement Sweep Accounts Only: Upon transfer of the funds, customers become a legal owner or obtain a perfected security interest in the identified assets. These funds have secured creditor status. External sweep arrangements (i.e. funds swept outside the insured depository institution). Funds not swept to a source outside the institution prior to the applicable cut-off time will be treated as deposits of the depository institution and insured under the applicable FDIC insurance rules and limits.
6. Loans are subject to credit review and approval. Fifth Third Mortgage Company, 5001 Kingsley Drive, Cincinnati, OH 45227 an Illinois Residential Mortgage Licensee. Mortgage products offered by Fifth Third Mortgage Company and Fifth Third Mortgage-MI, LLC. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. Member FDIC. Equal Housing Lender.
7. See a Fifth Third Mortgage Loan Originator for specific details. Some packages include managed assets which must be with Fifth Third to be eligible toward relationship pricing and must not be receiving a fee discount.

Deposit and credit products provided by Fifth Third Bank. Lending is subject to credit review and approval. Member FDIC. Equal Housing Lender.

Fifth Third Private Bank is a division of Fifth Third Bank offering banking, investment and insurance products and services. Fifth Third Bancorp provides access to investments and investment services through various subsidiaries, including Fifth Third Securities. Fifth Third Securities is the trade name used by Fifth Third Securities, Inc., member FINRA/SIPC, a registered broker-dealer and registered investment advisor. Registration does not imply a certain level of skill or training.

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