Consumer Core Card Associate Training & Resource Guide

ASSOCIATE TRAINING & RESOURCE GUIDE

A new credit card offering to replace the AmaZing Consumer Credit Cards. Introducing the Consumer Core Credit Cards

FOR INTERNAL USE ONLY

We’re excited to announce the launch of our no-annual-fee Consumer Core Credit Cards: the Agility Cash Card, Vivid Rewards Card and Clarity Card. These new cards will replace our AmaZing Consumer Credit Cards as part of our effort to have a broader market appeal and to bring our consumer card offerings up to parity with competitors. Built around the three most popular card features— cash back, rewards and simplicity—the Core Credit Cards are meant to appeal to a mass audience, while our existing Consumer Premium Credit Cards (Premier Card, Elite Card, Reserve Card) still appeal to our affluent customers and prospects. Together, these six cards will allow you to offer an even richer suite of options to your customers. To help you promote these three new cards to your customers, we’ve developed this all-in-one Training & Resource Guide. It will walk you through the key benefits of each card and provide access to a range of useful online resources, including Selling Tips, Comparison Charts, an updated Rewards Calculator and more. NOTE: While we will no longer be offering AmaZing Consumer Credit Cards, AmaZing Consumer cardholders may continue to use their cards. This update does not impact our AmaZing Business Credit Cards.

IMPORTANT INFORMATION Readiness communications start

CONTENTS OF GUIDE: Consumer Core Credit Cards

Week of February 15 Week of February 22

p. 3

Hard copy of this Guide delivered to branch

Card Comparison Chart

p. 4

March 5 March 17 March 18 March 18

Self guided training completed

Online Training Resources

p. 6

Stop offering AmaZing Consumer Credit Cards

Sales Tips and Tools

p. 7

Marketing materials available

Where to Find Resources and Tools

p. 8

Launch new Core Credit Cards

Welcome to the Consumer Core Credit Cards This lineup of cards will replace the AmaZing Consumer Credit Cards, giving your customers more options and benefits to choose from, all with no annual fee . Each card has a distinctive look and a unique set of key benefits, so you can help each customer find the card that best fits their life.

Agility Cash Card The Agility Cash Visa ® Credit Card offers straightforward value and flexibility for customers who value a simple, “set and forget” rewards program. Cash back cards appeal to a wide range of customers, but tend to be less popular as annual income increases. • Earn 1.5% back on every purchase • No limit to cash back earned • Automatic redemption option by calendar or amount Vivid Rewards Card Designed to appeal to a younger audience that values experiences over possessions, the Vivid Rewards Visa ® Credit Card rewards customers for living boldly, earning 3 points per dollar on many activity-based purchases, including: • Eating – restaurants, fast-food and meal delivery services • Playing – entertainment, like concerts, amusement parks and theaters • Going – transportation, including gas, public transit and rideshares • Connecting – digital services, such as streaming, cable, internet and wireless

Plus, cardholders earn 1point per dollar on everything else.

Clarity Card The Clarity Visa ® Credit Card provides a simple, straightforward payment option without the hidden costs, appealing to new credit customers who may be skeptical of credit cards, as well as responsible users of credit who make financial choices that offer peace of mind. • No late fees • No return payment fees • No foreign transaction fees • Low APR

Watch the videos for each card at insidecbt/products-and-services/credit-cards

Compare benefits to find the right card for your customers Each of our consumer credit card options offers a unique set of benefits, giving your customers a wide range of choices to meet their individual lifestyles and financial goals.

Core Credit Cards

Clarity Card

Agility Cash Card

Vivid Rewards Card

Great low rate without the fees you may expect (no returned payment fees, no late fees and more)

1.5% cash back on all card purchases

3X points on dining, entertainment, transportation and digital services

Key Feature

Standard Rewards Earn Rate

1X points on all other card purchases

1.5% cash back on all card purchases

—

Earn up to a 30,000 point bonus with double rewards for 12 months

Earn up to a $200 bonus with double cash back for 12 months

Bonus Offer

—

0% Intro APR for 6 months and Prime + 9% - Prime + 21% variable APR after that

0% Intro APR for 6 months and Prime + 6.5% - Prime + 15.5% variable APR after that

Intro Purchase APR

0% Intro APR for 12 months and Prime + 9% - Prime + 21% variable APR after that (3% fee, $10 minimum)

0% Intro APR for 15 months and Prime + 6.5% - Prime + 15.5% variable APR after that (3% fee, $10 minimum)

0% Intro APR for 12 months and Prime + 9% - Prime + 21% variable APR after that (3% fee, $10 minimum)

Intro Balance Transfer APR

Annual Fee

Foreign Transaction Fees

None

As we introduce the Consumer Core Credit Cards, we will no longer be offering AmaZing Consumer Credit Cards. However, existing AmaZing Consumer cardholders can continue to use their cards as always. AmaZing Business Credit Cards will continue to be offered and available. 4

Premium Credit Cards

Premier Card

Elite Card

Reserve Card

2.5% cash or 2.5X points on travel

3% cash or 3X points on travel and

3% cash or 3X points on travel and dining. Five (5) complimentary lounge visits and $250 annual travel credit

dining. Plus, $100 annual travel credit

1.5% cash or 1.5X points on all other card purchases

2% cash or 2X points on all other card purchases

1.5% cash or 1.5X points on all other card purchases

$300 or 30,000 points when you spend $5,000 in the first 90 days

$500 or 50,000 points when you spend $5,000 in the first 90 days

$150 or 15,000 points when you spend $4,000 in the first 90 days

—

0% Intro APR for 6 months and Prime Rate + 10.99% - Prime Rate + 18.99% variable APR after that (3% fee, $5 minimum)

0% Intro APR for 6 months and Prime Rate + 10.99% - Prime Rate + 20.99% variable APR after that (3% fee, $5 minimum)

$0 for the first year ($95 each year after)

$450 (+ $50 for each user)

$195

None

For full disclosures, see the new Online Comparison Charts at insidecbt/products-and-services/credit-cards

Get informed with online training resources Understanding the different benefits of the Consumer Core Credit Cards will give you the confidence to not only explain the benefits of the new cards, but also to answer any customer questions. There are several online training resources that will help you learn more about the new Core Credit Cards and how, when combined with our Premium Credit Cards, they elevate our consumer credit card offerings.

Product Videos offer a quick overview of the three new Core Credit Cards:

• Core Card Introduction Video • Core Card Overview Video • Agility Cash Card Video • Vivid Rewards Card Video • Clarity Card Video

Product Comparison Charts make it easy to compare the features and benefits: • Core Credit Cards vs. AmaZing Cards • Comparison of all Current Products • Updated Legacy Comparison Charts (now including the AmaZing Cards) • Core Competitive Comparison Chart Premium Credit Cards i-Achieve Courses help refresh your memory: • Training courses for our Premium Credit Cards, designed to appeal to the affluent market

Build confidence with sales tips and tools In addition to the Training Resources, you have access to a variety of sales tips and tools that will help guide your conversations about the new Consumer Core Credit Cards so you can find the right fit for each customer. • Finding the Right Card Strategies A resource that helps you practice introducing key benefits of the Core Cards and matching customers with the right card for their needs. • Sales Tips Another tool you can use to help your customers find the card that makes the most sense for their financial situation and lifestyle. • Migration Talking Points Suggestions you can use when talking with existing AmaZing Consumer cardholders who are interested in upgrading to the new Core Cards. • Updated Rewards Estimator Tool Use this interactive tool with your clients to find which of our rewards-earning credit cards delivers the best value based on the customer’s spending behavior. View the tutorial to learn more about how to use it. • Updated Application Finder Tool An online resource to help find the right online application for each consumer credit card.

You can find all of these resources and more at insidecbt/products-and-services/credit-cards

You can find all the Core Credit Cards resources and tools at InsideCBT These resources and tools are intended to provide you with the knowledge and information you’ll need to guide your customers to the right card and then help them apply.

1 Visit InsideCBT 2 Select “Credit Cards” from the Products and Services menu 3 Click on the Consumer Core Credit Cards link

COMING SOON: New marketing materials to help promote our new Core Credit Cards. A collection of marketing materials will be created to help increase awareness of the new Consumer Core Credit Cards, as well as promote the full family of credit cards.

• Customizable materials, including a Core Credit Cards Overview Flyer, will be available at Marketing 360.

• In-branch materials will be distributed to branches the week of card launch. • The CB&T website will also be updated to reflect the Core Credit Cards. • A series of onboarding emails will be sent to each new cardholder to encourage activation and usage. • Even more marketing materials will be coming at a later date.

Look for more communications as the launch date approaches. For additional details, ask your Manager.

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