FMCDealer Application Process

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Topics Include:

• The customer’s application responsibilities

• Your application responsibilities

• Application decision types & timelines

• Providing the proper disclosures

• Partner & customer support information

After discussing the credit card program, the customer may decide to apply. This resource will provide a comprehensive overview of the FMCDealer FordPass Rewards Visa Application process.

FMCDealer Application Process

PLEASE NOTE: To review the RouteOne Application process, please return to the training course for more information on this process

Last Update: 02/22

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Dealer Employee Responsibilities:

• Collect customer’s US government issued photo identification

• Validate the customer is a FordPass Rewards Member

• Ensure customer reviews printed Summary of Credit Terms

• Enter all required application information

• Verify all application information is correct

• Print & provide all application disclosures to customer


Customer’s Responsibilities:

• Enroll in FordPass Rewards if not already a member

• Provide US government issued photo identification

• Review printed Summary of Credit Terms

• Provide all required application information

• Confirm all information is correct on application

IMPORTANT! Report any suspicious customer behavior after application process to the Manager. The Manager will be responsible for provid inginformation to the appropriate internal Credit Card Program Relationship Managers.

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Application Experience – “Approved” Flow

Here We Go!Now that you have an understanding of everyone’s responsibility when beginning an application, let’s start by taking a

look at the “Approved” application flow. Below is the flow chart for the approved application experience.


5. Customer is “Approved” • Application displays approval

& credit limit amount• Dealer Employee prints all

required paperwork‒ Temporary Shopping Pass‒ Account Opening Disclosures‒ Cardmember Agreement

6. Customer continues shopping or check out process with Temporary Shopping Pass

• Will receive new FordPass Rewards Visa in 7-10 business days

3. Customer provides application information• FordPass Rewards number,

email address and mobile phone number required

4. Dealer Employee completes & authorizes application

1. Solicited customer decides to apply 2. Dealer Employee:• Verifies customer is a FordPass

Rewards Member – if not, enroll them• Asks for Customer Identification• Provides the customer with printed

Summary of Credit Terms

FMCDealer Application ProcessHow to Launch an Application

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IMPORTANT! A customer must be a FordPass Rewards member to apply for the FordPass Rewards Visa. If they are not a member, enrollment into FordPass Rewards must be completed prior to starting the application.

Steps to reach Connect on FMCDealer:

• Click Sales in the left navigation bar

• Select FordPass in the drop-down menu

• Click on the FordPass Rewards Visa section

• Click on First Bankcard Connect under Dealer Resources

To start an Application:

1. Login to FBC Connect

2. Click “Start Application” found in the Consumer Application Center.

3. The “Product Landing Page” opens in a new window

NOTE: After initial access, a user may leave Product Landing Page open for quick access throughout the day

4. Print and provide the Summary of Credit Terms (SOCTs) to the customer

5. After the customer has reviewed and agreed to the SOCTs - select “Apply Now” to start the application

See Appendix for instructions on how to “Share” a personal link email with a customer.


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IMPORTANT! If the required training has not been completed, access to the Application Center will be restricted until it is.

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Before beginning any application, ensure the customer has provided consent to apply for credit.

The first step of the application is to select the type of card the applicant wishes to carry.

1. Click on the card image

2. Select “Next”NOTE: The FPR Visa Application has a 5 minute time out. If page times out, simply launch the application again from the Product Landing Page.


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FMCDealer: P&A Code and Employee ID are pre-populated based on FMCDealer login. They cannot be adjusted.

Must be a FordPass Rewards Member to apply. If not a member, please enroll customer before completing the application.

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• Email Field

‒ Customer must provide an e-mail address regardless of authentication method

‒ If Authentication Method is email, one time passcode code sent to email before submitting application for decision

• Enter Primary Phone Number

‒ Applicant must provide a primary mobile phone number to apply in-dealer if “Text Message” is selected as the Authentication Method

‒ One time passcode code sent to mobile number before submitting application for decision

• Authentication Method‒ Select the preferred method to send the

Authentication Code‒ If no mobile phone number or email address is

available, provide customer with brochure to apply online

IMPORTANT NOTE! If unable to validate the customer to the phone number or email address after three (3) attempts an error message will occur and the application cannot be completed. In this case, provide the customer with a brochure for an option to apply online.

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IMPORTANT! It is NEVER acceptable to enter your personal or work information in an any application field. Doing so could result in disciplinary action!

• Enter customer’s name

• Residential Address

− Customer must provide a physical address (No PO Box)

− If an applicant would like to have account information mailed to a separate address, they must call FNBO after application is submitted to update

Address Verification:

• Suggested Address –Official US Postal Service Record

‒ Suggested Address is preferred option

• Original Address – Address initially entered

NOTE: If error is detected, select “Edit” to return to the address field. Fix the incorrect address then select “Continue with Selection.”


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• Present Employer

− If appropriate, notate “Retired”, “Unemployed”, “Student”, “Self Employed” or “Homemaker”

• Total Annual Income

− Do not add $ or .00 to field

− Income amount is for a full year

− May include any income the applicant has reasonable access to

− Must read alimony & child support pop up disclosure to customer

• Do you own or rent your home?

− If applicant does not own their home and does not pay rent, select “Other”

EXAMPLE: Applicant lives at home and does not pay rent

• Monthly Rent/Mortgage

− Do not add $ or .00 to field

− If no monthly payment enter 0

− Only enter the amount the applicant is responsible for

IE: Applicant splits $1000 rent with roommate - enter $500

• Years at Address

− If less than 1 year enter 1


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• Social Security Number

− Social security number is needed to pull a credit bureau to process the application

• Date of Birth

− Must 18 years of age to apply

• Mother’s Maiden Name

− Mother’s Maiden Name is used to verify identity when contacting FNBO


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Review Information

• Review the application information for accuracy.

– To fix any errors, update the section by selecting “Edit” below the information.

• Authorized User - optional

– May add one Authorized User at application time

– Option to add additional after account is opened

– Name & Date of Birth required


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Must read Summary of Credit Terms statement before submitting application

Completing the Application

• By check marking the box, you as the Representative, are acknowledging:

– The applicant has read the disclosure

– The applicant has received the Summary of Credit Terms

– The applicant accepted the terms

– The applicant is allowing you to submit the application on their behalf.

– All steps were completed

• After placing the check mark in the required box, select the “Authorize Application” button to authorize and submit application for review.


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Authorizing the Application – TEXT

Step 1: Send Passcode Step 2: Customer receives Passcode Step 3: Enter Passcode and verify

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Step 1: Email Passcode Step 2: Customer receives Email Passcode Step 3: Enter Passcode and verify

From email address: [email protected]

Authorizing the Application – EMAIL

Approved Next Steps: An approved message is returned

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Congratulations, You’re Approved!

• Congratulate customer on approval

• Click on “Print Terms”

• Provide all below printed information to the customer:

• Instant Credit Approval Confirmation

• Account Opening Disclosures include:

‒ Rates and Terms Schedule

‒ Privacy Disclosure

‒ Reward Terms

• Cardmember Agreement (CMA) includes:

‒ Terms & Conditions - 8 pages

‒ Your Billing Rights - 2 pages

• Explain that the customer will receive their new credit card within 7-10 business days


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IMPORTANT! If account information is not printed after approval, the customer will not be able to make any purchases until they receive their physical card in the mail. Account information cannot be given over the phone.

The Instant Credit Approval Confirmation form will be utilized as the customer’s Temporary Shopping Pass to make eligible in-dealer purchases immediately upon approval.

• The account will be limited to $5,000 or less based on approved credit limit until card(s) are received

• Temporary Shopping Pass is good for 10 days

• Printed Cardholder Terms must be provided to the customer prior to any purchases

Hand the Temporary Shopping Pass to the customer to sign immediately and keep for their safekeeping.


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Valid Code Eligible In-Dealer Purchases for Temporary Shopping Pass

5511 Car and Truck Dealers (New and Used) Sales, Service, Repairs, Parts, and Leasing

5521 Car and Truck Dealers (Used Only) Sales, Service, Repairs, Parts, and Leasing

5533 Automotive Parts and Accessories Stores

5599 Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers (Not Elsewhere Classified)

7531 Automotive Body Repair Shops

7538 Automotive Service Shops (Non-Dealer)

IMAGE FOR TRAINING PURPOSE ONLY AND MAY VARY

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Application Experience – “Pending” Flow

Almost Done!Now that you have an understanding of the “Approved” application experience, let’s take a look at the

other possible response you may receive. Below is the “Pending” application flow.


3. Customer provides application information• Email address and mobile

phone number required4. Dealer Employee completes &

authorizes application

5. Unable to instantly approve:• Application needs further

review • FNBO will reach out directly

to the customer if more information is needed

6. Customer receives answer in 2 – 4 weeks

1. Solicited customer decides to apply 2. Dealer Employee:• Verifies customer is a FordPass

Rewards Member• Asks for Customer Identification• Provides the customer with

printed Summary of Credit Terms

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Pending Next Steps: No approval at this time and the application is pending further review

Thanks for Applying!

Sometimes when an application does not receive instant approval, the application may need to go through further review.

• If a “Thanks for Applying” message is received, inform customer the application has been submitted.

• If asked, explain that this does not mean unable to approve but simply a need for further review

IMPORTANT! The customer will not be able to make a purchase until they receive an approval and their new credit card.


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Share Personal Email Link

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1. Click “Share” button2. Enter customer name and email address3. Read consent disclosure to customer & check box4. Click “Submit” button to send email


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When customer clicks “Learn More” they are taken to the application landing page. Here the customer can get

in depth product information, the Summary of Credit Terms and start the application.

NOTE: email comes from [email protected]


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When the application opens, the Dealer P&A Code & Employee ID prefill from email to the

application for tracking and incentive.

To start the application, the customer will click “Apply Now”


NOTE: Multi-Factor Authentication verification is still required to submit application.

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• Email Field

‒ Customer must provide an e-mail address regardless of authentication method

‒ If Authentication Method is email, one time passcode code sent to email before submitting application for decision

• Enter Primary Phone Number

‒ Applicant must provide a primary mobile phone number to apply via shared link if “Text Message” is selected as the Authentication Method

‒ One time passcode code sent to mobile number before submitting application for decision

• Authentication Method‒ Select the preferred method to send the

Authentication Code‒ If no mobile phone number or email address is

available, customer may not apply via shared link

IMPORTANT NOTE! If unable to validate the customer to the phone number or email address after three (3) attempts an error message will occur and the application cannot be completed. In this case, provide the customer has the option to apply online.

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Multi-Factor Authentication is still required when sharing an email link with a customer.

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Congratulations, You’re Approved!

• Customer must click on “Print Terms” to get their temporary account information.

• Items Printed:

• Instant Credit Approval Confirmation

IMPORTANT! Customer must print, screen shot or write information to use for any purchases

• Account Opening Disclosures Cardmember Agreement (CMA) includes

• Customer will receive their new credit card within 7-10 business days


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IMPORTANT! If customer does not collect account information after approval, they will not be able to make any purchases until they receive their physical card in the mail. Account information cannot be given over the phone.

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Thanks for Applying!

Sometimes when an application does not receive instant approval, the application may need to go through further review.

• If a “Thanks for Applying” message is received, the application has been submitted.

• This does not mean unable to approve but simply a need for further review.


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Documents

FMCDealer Application Process