Welcome
Terms

This user agreement ("Agreement") is provided by Fifth Third Bank, National Association, its affiliates and subsidiaries (collectively, “Fifth Third”) to govern the use of the Fifth Third Money Market Navigator. Services provided by Fifth Third Money Market Navigator are additionally governed by any other separate agreement(s) you may have with Fifth Third Bank, National Association or any of its affiliates or subsidiaries, including but not limited to, the Rules and Regulations of the Bank, any loan agreements, and any amendments or changes made to this Agreement.

By using Fifth Third Money Market Navigator, you agree to be bound by the terms and conditions contained in this Agreement.

The following definitions apply to the terms contained in this Agreement:
"Business Day" is defined as Monday through Friday excluding the Federal Holidays or as otherwise posted in the Banking Centers.
“Fifth Third Bank, National Association” and “Fifth Third” shall mean Fifth Third Bank, National Association and all of its subsidiaries and affiliates including Fifth Third Securities, Inc.

"You" and "Your" shall mean the person, persons or entities in whose name the account is carried on the books of Fifth Third Bank, National Association and shall include the masculine, feminine, and neuter genders and the plural as well as the singular wherever the context so permits.
"Us" "Our" and "We" shall mean Fifth Third Bank, National Association and all of its affiliates and subsidiaries.
"Payee" shall mean the person, business or other entity to whom your payment will be made. You must provide sufficient information about each Payee to properly direct a Payment to that Payee and permit the Payee to identify the correct account. This information may include, but is not limited to, the name and address of the Payee and your Payee Account Number.

“Website” shall mean www.53navigator.com.

Services

Fifth Third allows Fifth Third customers to access information for and initiate transactions from their Fifth Third account(s). Such services include but are not limited to the following:

  1. 1. Access to a secure multifamily money market fund trading platform.
  2. 2. Ability to trade with money market fund families.
  3. 3. Access to market news, fund company commentaries, portfolio performance analysis, and a fund research library.
  4. 4. Customizable fund comparison analysis.
  5. 5. Combined monthly statement for all money market accounts and money fund companies.
  6. 6. Supports batch trading, future dated trading, real time money fund balances, dual trading authorization and multiple accounts and authorized users.
  7. 7. Downloading reports and compliance rules preference settings.

Some of the above services may not be available for certain accounts or customers. We may modify or cancel any such services at anytime without notice at our discretion, except as may be required by law.

By directing Fifth Third Money Market Navigator to transact, you authorize Fifth Third to withdraw from and deposit into the designated account the amount of funds required to complete the assigned transaction. You regard requests for new account services, instructions to change existing account information or services, and other communication received via Fifth Third Money Market Navigator as legal endorsements. As such, all correspondence initiated via Fifth Third Money Market Navigator shall command the legal authority of a written request authorized by your signature.

Third Party Providers

Some of the services within Fifth Third Money Market Navigator may be provided by a third party. The third party may contact you directly in certain circumstances, such as providing you alerts for changes to your accounts or services you have requested or for certain purposes.

Email and Mobile Alerts

Fifth Third may offer alert services that provide you information about your Fifth Third Money Market Navigator Account. You can sign up for alerts that can be received through email.

There may be some alerts specific to particular services within the Money Market Navigator which you may not be able to set preferences for and cannot be turned off. By using these services you consent to receive applicable alerts.

Customer Service

You may contact Fifth Third Bank, National Association by calling Operations Support toll free at 1-800-837-3652.
Operations Support may provide assistance only within the guidelines set forth by Fifth Third and as required by law. Operations Support is not authorized to negotiate any of the terms of this agreement.

Fifth Third is responsible for making reasonable efforts to fulfill only those account requests actually received via Fifth Third Money Market Navigator. Fifth Third may not be held accountable for any loss resulting from the delay or failure to transmit a message via Fifth Third Money Market Navigator arising from user error, malfunction of equipment, natural impediments, and/or inaccurate or incomplete information.

Security and Privacy

You consent to receive and access electronically Fifth Third Bank, National Association’s Privacy Policy unless you notify us that you want a written copy. You may notify us by contacting Operations Support at 1-800-837-3652. The Privacy Policy is available electronically via the “Privacy and Security” links at bottom of each page within www.53navigator.com.

You acknowledge that Fifth Third may disclose and transfer information that you provide through this Money Market Navigator as described in the Privacy and Security links. Use of this Money Market Navigator may be monitored. Based on your use of the Money Market Navigator, you consent to such monitoring. In circumstances where locations of the Money Market Navigator require identification for process, you will establish reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

General Disclaimer

The information on the Website is for information purposes only. It is believed to be reliable, but Fifth Third does not warrant its completeness, timeliness or accuracy.

In addition, certain portions or pages of the Website are subject to additional terms and conditions, disclosure and disclaimers.

We may restrict your access to Fifth Third Money Market Navigator without notice in certain situations.

FIFTH THIRD BANK, NATIONAL ASSOCIATION HEREBY DISCLAIMS ANY WARRANTIES, ENDORSEMENT OR REPRESENTATIONS, EXPRESS OR IMPLIED, RELATED TO ANY PRODUCT, SERVICE, ADVERTISEMENT OR OTHER INFORMATION CONTAINED HEREIN. THIS INCLUDES ANY CONTENT CONTAINED, DISTRIBUTED, LINKED OR DOWNLOADED FROM THE SITE. ANY PRODUCTS OR SERVICES FROM THIS SITE ARE TO BE USED AT YOUR OWN RISK, WITH NO OBLIGATIONS OR LIABILITIES BY FIFTH THIRD BANK, NATIONAL ASSOCIATION. ANY EXCEPTIONS TO THIS GENERAL DISCLAIMER WOULD BE OUTLINED WITHIN ANY APPLICABLE SERVICE AGREEMENT. FIFTH THIRD BANK, NATIONAL ASSOCIATION ALSO DOES NOT GUARANTEE THE QUALITY OF ANY PRODUCT OR DISPLAYED MATERIALS THAT ARE PURCHASED OR USED BY YOU AS A RESULT OF AN ADVERTISEMENT TO WHICH YOU RESPOND. IT WILL BE WITHIN THE SOLE DISCRETION OF FIFTH THIRD BANK, NATIONAL ASSOCIATION TO CORRECT ANY ERRORS OR TO OMIT ANY PORTION OF THE SERVICES, PRODUCTS OR MATERIALS CONTAINED HEREIN.

FIFTH THIRD BANK, NATIONAL ASSOCIATION OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND FIFTH THIRD BANK, NATIONAL ASSOCIATION DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. FIFTH THIRD BANK, NATIONAL ASSOCIATION RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THE WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THE WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY FIFTH THIRD BANK, NATIONAL ASSOCIATION TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.
FIFTH THIRD BANK, NATIONAL ASSOCIATION AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, FIFTH THIRD BANK, NATIONAL ASSOCIATION AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, ANY LOSS OR DAMAGES INCURRED BY YOU BY THE TRANSMISSION OF YOUR PASSWORD, PIN, ACCESS DEVICE INFORMATION OR CODES OR OTHER PERSONAL INFORMATION BY YOU OR ANYONE BESIDES FIFTH THIRD BANK, NATIONAL ASSOCIATION, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND FIFTH THIRD BANK, NATIONAL ASSOCIATION AND ITS AFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING FIFTH THIRD BANK, NATIONAL ASSOCIATION'S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS.
UNDER NO CIRCUMSTANCES WILL FIFTH THIRD BANK, NATIONAL ASSOCIATION BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER FIFTH THIRD BANK, NATIONAL ASSOCIATION HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
For additional information and terms and applicable to your accounts, please review the current version of the Fifth Third Money Market Navigator Client Account Agreement.

Copyright Information

All logos, service marks, trade names and trademarks contained within this site are the sole property of Fifth Third Bancorp. It is prohibited for anyone to use such trademarks without the written consent of Fifth Third Bancorp. This site may also contain such logos and trademarks of some third party, in which case it is also prohibited to use these marks without consent.
The content contained in this site is protected by copyright law. It is prohibited for users to display, distribute, publish, sell, transmit, license, create derivative works or to use any content that is contained within Fifth Third Bank, National Association's Web site for any purpose whatsoever. Any unauthorized use of this information may be punishable by law.
If you are not an authorized Money Market Navigator user or if you do not consent to continued monitoring of activity on the system, please exit the system now.

Important Information Regarding Electronic Communication
(if this service is available)

  • By clicking “I accept” to this Agreement, you understand and agree that Fifth Third will provide all or some document types electronically, rather than in paper form. Once you have consented, you will continue to receive these document types electronically until you withdraw your consent.
  • If applicable, and you have selected to receive statements electronically, you understand that this includes receiving all periodic statement information, such as notices about changes to your account, in electronic form.
  • In order to access such information electronically,
  • Requirements:
    • Most computers purchased within the past two years will support the Fifth Third Money Market Navigator when viewed with Internet Explorer version 7.0 and higher, as well as Firefox version 5.0 and higher. If you experience issues viewing our web portal, please refer to the list of optimal browser settings, recommended plug-ins, and minimum system requirements. If you continue to have additional questions or problems viewing the site, please call us at 1-800-837-3652.
    • The use of Firefox, Safari, Chrome, Open Source or BETA versions may have unpredictable results.
    • The browser settings indicated below will help ensure that the Fifth Third Money Market Navigator will display properly on your computer and function as designed. If you have never manually changed your browser’s configuration, then you likely have these recommended settings selected.
      -Allow JavaScript
      -Accept Cookies
      -Cache SSL
      -Load Graphics
      -Default Fonts and Default Colors
    • Plug-ins are required to view some content on the Fifth Third Money Market Navigator. You will need a PDF reader to view prospectuses, account applications, and other collateral materials.
      You will likely have Adobe Acrobat Reader if you are using Internet Explorer version 6.0 or higher. If you do not have this plug-in, then you can download them for free from www.adobe.com
    • Your computer should meet the following system requirements in order to enjoy the full functionality provided by the Fifth Third Money Market Navigator. 
      Windows 2000, XP, Vista, or Windows7 (Macintosh OS is not supported)
      Internet Explorer 7.0 and higher
      Pentium processor or better
      56k Modem or faster internet connection
      Monitor resolution of 1024X768 or higher
  • We will inform you if we change these requirements.
  • Documents you receive electronically will be available to you online for a period of 12 months.
  • To request a correction of anything on a document, contact:
    • For tax forms,call the number provided on the document;
    • For all other forms, contact anOperations Support Professional at 1-800-837-3652
  • If you would like a paper copy of any such information, please open the electronic version of the document and follow the appropriate links to print the document. Or, you may contact an Operations Support Professional at 1-800-837-3652. We may charge a fee for each copy you request.

  • You will no longer receive the documents in electronic format if you no longer have access to the applicable online service (if, for example, you do not agree to updated terms and conditions or security features). In such cases, you will need to request to receive the documents in paper form by calling us toll free, at 1-800-837-3652.You may elect to withdraw consent to receive the documents in electronic format at anytime and will thereafter begin receiving documents in paper form. To withdraw consent, call us toll free, at 1-800-837-3652.

Security

  • You agree and consent to participate in security features on the Website such as registering and answering security questions or changing your password, as requested by Fifth Third.
  • You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Fifth Third, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.
  • When selecting a password to access your Fifth Third Accounts, please do not use nicknames or birthdates that may be easy to guess. Use a combination of letters and numbers, change your password periodically, never share your password with anyone and always log off the site when you are finished.
  • Links to non-Fifth Third Websites are provided solely as pointers to information on topics that may be useful to the websites, and Fifth Third has no control over the content on such non-Fifth Third Websites. If you choose to link to a website not controlled by Fifth Third, Fifth Third makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Fifth Third warrant that such rights of third parties or that such site or content is devoid of viruses or other contamination, Fifth Third does not guarantee the authenticity of documents on the Internet. Links to non-Fifth Third sites do not necessarily imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

Prohibited Activities In using the Website, you agree not to:

  • Misrepresent your identity in any way;
  • Violate or attempt to violate the security of this Website. Any such violations may result in criminal and/or civil penalties against You. We may investigate any suspected violation and, if a criminal violation is suspected, we will cooperate with law enforcement agencies in their investigations;
  • Send or otherwise transmit to or through this Website any unlawful, infringing, harmful, inappropriate, or otherwise objectionable material of any kind, any material that can cause harm or delay to this Website or computers of any kind, and any unsolicited advertising, solicitation, or promotional materials;
  • Reverse engineer, disassemble, or decompile any section or technology on this Website;
  • Launch or use any automated system, including without limitation “robots,” “spiders,” or “offline readers,” that access this Website in a manner that sends more request messages to our servers in a given period of time than a human can reasonably produce in the same period by using a conventional web browser;
  • Send or otherwise transmit to or through this Website chain letters, unsolicited messages, “spamming” or “phishing” messages, or messages marketing or advertising goods and services; or
  • Violate any applicable laws or regulations or these Terms of Use.

Potential Disruption of Service

Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things.

    • Hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
    • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs unreadable codes, or irregularities within particular documents or other content;
    • Overload of system capacities;
    • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
    • Interruption (whether partial or total) of power supplies or other utility of service;
    • Strike or other stoppage (whether partial or total) of labor;
    • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
    • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Fifth Third Bank, National Association.

Changes to Agreement

We may change these Terms of Use at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronically. If you initiate any funds transfer or other action through Fifth Third Money Market Navigator after the effective date of a change, you indicate your agreement to the change.