(1) Cardholder must meet these three conditions: 1. The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding 12 months; 3. The account must be in good standing.

(2) Platinum: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable and balance transfers will be subject to the variable APR for Purchases. The APRs for Purchases and Cash Advances are based on the WSJ Prime Rate plus a margin. These APRs are calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate and are subject to any applicable rate limits or floors. As of 3/11, the WSJ Prime Rate is 3.25%. APRs for Purchases and Balance Transfers are competitive, and as of 3/11, range from 10.99% to 21.99%. Variable APR is determined based on a review of the cardholder's application and credit history. Not everyone will qualify for the lowest rate. Cash Advance APR: 24.99%. Delinquency APR: 24.99%. Balance transfer fee: Unless your offer indicates otherwise, 4% of the total dollar amount of the balance transferred. Minimum finance charge: $1.00. Convenience check Fee: Unless your offer indicates otherwise, 4% of the total dollar amount. Cash advance fee: $5.00 or 4% of the total dollar amount, whichever is greater. Card Replacement Fee: $10.00. Late Payment Fee up to $35. For all transactions made outside the United States or in a foreign currency, a fee of 3% of the U.S. dollar amount of each Foreign Transaction that posts to your account.

(3) Business: Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable and balance transfers will be subject to the variable APR for Purchases. The APRs for Purchases and Cash Advances are based on the WSJ Prime Rate plus a margin. These APRs are calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate and are subject to any applicable rate limits or floors. As of 3/11, the WSJ Prime Rate is 3.25%. APRs for Purchases and Balance Transfers are competitive, and as of 3/11 is 12.99%. Cash Advance APR: 19.99% minimum; 24.99% maximum (Currently 19.99%). Delinquency APR: 23.99%. Balance transfer fee: Unless your offer indicates otherwise, 3.5% of the total dollar amount of the balance transferred, up to a maximum fee of $99.00. Minimum finance charge: $1.00. Convenience check Fee: Unless your offer indicates otherwise, 3.5% of the total dollar amount, up to a maximum fee of $99.00. Cash advance fee: $5.00 or 3.5% of the total dollar amount, whichever is greater. Card Replacement Fee: $10.00. Late Payment Fee up to $35. For all transactions made outside the United States or in a foreign currency, a fee of 3% of the U.S. dollar amount of each Foreign Transaction that posts to your account.

(4) Subject to Credit Approval. Contribution to Arnold Palmer Hospital is 1% of net purchases, which are defined as the dollar value of goods and services signed with the card, minus any credits, returns or other adjustments reflected on the monthly statements. Cards are issued by Fifth Third Bank, Ohio pursuant to a license from MasterCard International. Member FDIC.

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