• By scanning a bar code

How It Works: The applicant will self-apply via a unique URL that extends Elan's best product offer as well as additional consumer and business products that may suit their needs. The applicant may access this URL in one of three ways:

Encourage applicants to apply online whenever and however is most convenient for them using this URL. Then, once the applicant applies for and activates their new credit card account, you’ll earn sales credit. It’s that easy!

Self-Apply Application Quick Reference Guide

The Self-Apply Application is an alternative application method, available in the branch and call center channels, that simplifies the credit card cross-sell experience for both you and your potential cardmembers.

ELAN TRAINING FOR SUCCESS

Your Personalized Flyer:

Before interacting with potential cardmembers, login to the Client Resource Center to print your personalized flyer, which features a unique bar code generated by Elan, URL, and text code that is exclusive to you. It's this unique employee code that will track the credit card sale to you to assign credit. Share the URL or text code on the flyer as you interact with potential cardmembers (call center employees may share their unique employee code with applicants over the phone on inbound calls). Be sure to affix your business card to the designated area to make it easy for applicants to contact you with questions. To access the flyer:

1) Click on the "Self-Apply" button at the topof most CRC pages

2) Click "Generate and Print Your Flyer"

Personalized Flyer

Via a text link sent by Elan to their mobile device • By keying the URL into a web browser

01.6 Effective March 2021

Accessing Your Personalized URL Via Text Message

It's easy for your potential applicant to receive your unique URL on their mobile device. They'll need to initiate it by sending a text message to Elan as follows:

1. By Applicant: Key the word "card" followed by a space then your unique 6-digit employee code found

on the flyer. Example: card amy123 (not case sensitive)

2. By Applicant: Send the message to this number: 96932

3. By Elan: A text message will be returned by Elan containing your unique URL

01.6 Effective March 2021

Applicant Experience

If an applicant determines that one of the credit card products is the right fit to meet their needs, encourage them to apply while they are still in branch so that you can answer any questions and help them through the process. If it is not convenient for them to apply at that time, they may either visit the unique URL noted on your flyer or scan the unique bar code to access the application.

Landing Page

Upon clicking “Apply Now” the applicant will be directed to the product application:

01.6 Effective March 2021

Review your Self-Apply Applications one of two ways:• Use the My Application Tracker feature, available via the DASH tab, to review any “Pending” applications.

• The Application Status Report allows you to proactively review Underwriting’s credit card decisions byshowing the status of all applications submitted.

Self-Apply Application Training: For complete training on the Self-Apply Application process and best practices, visit the Self-Apply Application detail page to take the available training course. To brush up on starting the credit card conversation, be sure to visit Level 3: Card Sales under the Training tab on the Client Resource Center. Here you can review tips on how to best present products and offers, and how to overcome objections.

Reporting Resources to Monitor Your Success:

Access this report by logging into the CRC and clicking on the Account Servicing tab. Under Portfolio Reports, select Reports, enter your Location Code, select Sales from the Report Category and Application Status for the Report Type and follow the prompts.

• The Employee Promotion Detail Report lists all booked accounts by Elan Officer Employee ID (OEID), and isused during an employee promotion to track results and calculate reward earnings. Because the personalizedcode on the Self-Apply flyer functions as an OEID, and enables you to receive credit for any applications thatare booked and activated, those booked accounts will appear on this report under the description Self ApplyApplicant.

Access this report by logging into the CRC and clicking on the Account Servicing tab. Under Portfolio Reports, select Download Files and follow the prompts.

Guidelines on Providing Your Unique URL to Potential Applicants:

Printed flyer• This is the preferred method to share your URL, giving your potential applicant a visual reminder to apply at their

convenience

Via text message• Permitted: Only the potential applicant may initiate this request by sending the word “card", followed by a

space, then your personal 6-digit employee code to 96932• Not permitted: Any other means of communicating the URL via text message is prohibited due to regulatory

requirements. Fines may be imposed if found in violation.

Verbally over the phone• The URL may be given verbally over the phone on inbound calls only (outbound calls or follow-up calls are

ONLY permitted if your organization has entered into a separate contractual agreement with Elan specifically forthis purpose. Check with your manager).

01.6 Effective March 2021

Within a Live Chat Session• Use this Elan-approved language to offer your personal Self-Apply Application code within your Live Chat

Session. Before proceeding, please confirm with your Credit Card Manager that your financial institutionapproves of leveraging this valuable addition to your Live Chats.

o By the way, we have special credit card offers that can help you save money and earn rewards.To find out more, just click this URL: branchoffer.com/_ _ _ _ _ _ or text card _ _ _ _ _ _ to 96932.Message and data rates may apply.

Guidelines on Providing Your Unique URL to Potential Applicants (Continued):

Within an Email Message:• Permitted: Reactively (initiated by the potential applicant via email) providing your URL is permitted. Only

inquiries received by you via email may to responded to via email (you may not respond to a letter or phonecall/message via email).

o Recommended Content: You may include your URL and/or the flyer as an attachment and areencouraged to keep any additional comments very brief

o Prohibited Content: Do not add any comments about the details or terms of the credit card, likelihood ofapproval, or comments which could be perceived as discouraging or discriminatory

• Permitted: Passively, via your email signature. It is permissible to include your unique employee code in thesignature area of an email, but not within the email body, using this approved content:

o Applying for one of our credit cards is easier than ever – simply text card _ _ _ _ _ _ to 96932 today.Message and data rates may apply.

• Not Permitted: Pro-actively (initiated by you) providing your unique banker code within the body of the email oryour URL anywhere within the email is NOT permitted. This is because your email communication would beconsidered a credit card solicitation (marketing solicitation) and subject to regulatory requirements. Fines may beimposed if found in violation.

01.6 Effective March 2021