You ve worked hard to build your business Get the credit you deserve!

Transcription

1 You ve worked hard to build your business Get the credit you deserve! 0% Intro APR * on Purchases and Balance Transfers for 6 billing cycles. After that a variable APR from % to % will apply. BUSINESS CREDIT CARDS

2 Business Credit Card Get the financial advantage you need to manage and maintain the success of your business, with no annual fee.* Business Rewards Credit Card Get smart business benefits, and earn great rewards too! Earn one point for every $1 in net purchases 2 charged to your Business Rewards Card. Use the Business Credit Card for all your business purchases and get a 0% introductory APR 1 for six billing cycles. After that a variable APR from 12.99% to 16.99% will apply. Transfer your high-rate credit card balances to your Business Credit Card and save even more! Exclusive benefits for added security and convenience Online account access at Flexible billing options Peace of mind travel benefits, including $400,000 Travel Accident Insurance 4 and Auto Rental Collision Damage Waiver 5 Use the Business Rewards Credit Card for all your business purchases and get a 0% introductory APR 1 for six billing cycles. After that a variable APR from 14.99% to 16.99% will apply. Earn 1 point for every $1 on purchases. 2 Choose from over 1,000 rewards including cash back and gift cards. 3 Exclusive benefits for added security and convenience Online account access at Flexible billing options Peace of mind travel benefits, including $400,000 Travel Accident Insurance 4 and Auto Rental Collision Damage Waiver 5 1 See Inside for Intro APR details. 2 Purchases are defined as the dollar value of goods and services purchased with the Card, minus any credits, returns or other adjustments as reflected on the monthly statements. Purchases do not include annual fees, late payment fees, over-limit fees, insurance charges, card-related service charges, Finance Charges, or other fees and/or unauthorized charges. Purchases also do not include Cash Advances, PIN-based transactions, balance transfers, Convenience Checks, person-to-person money transfers, quasi-cash transactions (including the purchase of traveler s checks, foreign currency, or money orders), truck stop transactions, gaming transactions or currency purchases. 3 Available prizes and point levels are subject to change without notice. Sample listing only. Full program details will be provided after your account is opened. 4 Travel Accident Insurance is a service provided for Fifth Third Bank cardholders under contract with CBSI Enhancement Services, a third party provider. 5 Benefits and Services provided for Fifth Third cardholders under contract with Visa, a third-party provider. Certain terms, conditions and exclusions apply. See the applicable Fifth Third Bank Visa Guide to Benefits for more details and a complete explanation of card benefits and services. * Other fees may apply. Balance transfer fee: 3.5% of the amount of each transfer, up to a maximum of $99. Cash Advance: Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. International Transaction: 3% of each transaction in U.S. dollars. Visa is a registered trademark of Visa, U.S.A., Inc. SIGN UP TODAY!

3 Step 1 Complete Company Information 1A: Select Product (The default is the Business Card if no box is checked.) Business Credit Card 01 BUSVA AGNT A Business Rewards Credit Card 01 BUVTR AGNT A FOR INTERNAL USE ONLY referring employee number 1B: Company Information Legal Business Name Month/Year Company Started Physical Business Address (Cannot be a P.O. Box) City State Zip Mailing Address (If different than the physical address) City State Zip Fax Number Tax ID # Legal Structure: Corporation Partnership Sole Proprietorship LLC/LLP Business Description: Is your business a Not-For-Profit? Yes No Annual Gross Revenue, Name of Company as you would like to see on the card (Limit 21 characters and spaces.) Aggregate Credit Limit Annual Net Income, 1C: All Employees Requesting a Card (If you need more than 3 cards, please attach additional sheets.) 1 Print Name (Limit 21 characters and spaces.) of Birth Address (Cannot be a P.O. Box) City State Zip Mother s Maiden Name 2 Credit Limit Requested Print Name (Limit 21 characters and spaces.) of Birth Address (Cannot be a P.O. Box) City State Zip Mother s Maiden Name Credit Limit Requested 3 Print Name (Limit 21 characters and spaces.) of Birth Address (Cannot be a P.O. Box) City State Zip Mother s Maiden Name Credit Limit Requested

4 Step 2 Add Account Management Options Payment Method Please check one: Individual Bill (Each cardholder will receive a monthly billing statement.) Consolidated Bill (One combined billing statement containing all cardholder transactions will be sent to company mailing address c/o Accounts Payable.) Individuals at Company Authorized to Request Additional Cards and/or Limit Increases: Print Name Mother s Maiden Name Print Name Mother s Maiden Name Step 3 Complete Final Signature(s) Is a Personal Guaranty Required? If your company is one of the following: a not-for-profit, religious organization, accredited educational institution, non-profit or government/municipal/ township entity, an association, or a corporation with revenues greater than $10 million a Personal Guaranty IS NOT required. Complete ONLY Section 3C (Authorized Business Officer Signature). If your company type is not listed above, a Personal Guaranty IS required. Please complete Section 3A (Personal Guaranty Section) and Section 3C (Authorized Business Officer Signature). 3A: Personal Guaranty Section (Attach additional sheets for more personal guarantors.) Guarantor #1 (Required) Guarantor #1 Full Name of Birth Gross Personal Income (Per tax return)* Home Address (Cannot be a P.O. Box) City State Zip Guaranty Agreement The undersigned (the Guarantor(s) ), hereby unconditionally, absolutely and irrevocably guarantee to Bank the full and prompt payment and performance when due of any and all indebtedness incurred by use of the Business Card(s) issued to the above referenced company, whether authorized or unauthorized. The Guarantor(s) hereby authorize the Bank to review his/her/their individual credit history and further consent and authorize the Bank s use of a consumer credit report to aid in the Bank s credit evaluation process in connection with this Guaranty. This Guaranty is a continuing guaranty of payment, and not merely of collection, and Bank shall not be required to exhaust its remedies against the business or any other party prior to enforcing this Guaranty. For Guarantor(s) residing in Kentucky: The maximum aggregate liability under this Guaranty is $35,000, plus accrued interest, fees, charges, and costs (including but not limited to attorneys fees incurred by Bank in the enforcement of this Guaranty). This Guaranty shall terminate on January 1, 2020, provided that such termination shall not affect the liability of the Guarantor(s) with respect to obligations created or incurred prior to such termination date or extensions or renewals thereof, interest accruing on, or fees, costs or expenses incurred with respect to, such obligations on or after such date of termination. Signature Title

5 3A: Personal Guaranty Section (Continued) Guarantor #2 (Optional) Guarantor #2 Full Name of Birth Gross Personal Income (Per tax return)* Home Address (Cannot be a P.O. Box) City State Zip Guaranty Agreement The undersigned (the Guarantor(s) ), hereby unconditionally, absolutely and irrevocably guarantee to Bank the full and prompt payment and performance when due of any and all indebtedness incurred by use of the Business Card(s) issued to the above referenced company, whether authorized or unauthorized. The Guarantor(s) hereby authorize the Bank to review his/her/their individual credit history and further consent and authorize the Bank s use of a consumer credit report to aid in the Bank s credit evaluation process in connection with this Guaranty. This Guaranty is a continuing guaranty of payment, and not merely of collection, and Bank shall not be required to exhaust its remedies against the business or any other pa rty prior to enforcing this Guaranty. For Guarantor(s) residing in Kentucky: The maximum aggregate liability under this Guaranty is $35,000, plus accrued interest, fees, charges, and costs (including but not limited to attorneys fees incurred by Bank in the enforcement of this Guaranty). This Guaranty shall terminate on January 1, 2020, provided that such termination shall not affect the liability of the Guarantor(s) with respect to obligations created or incurred prior to such termination date or extensions or renewals thereof, interest accruing on, or fees, costs or expenses incurred with respect to, such obligations on or after such date of termination. * Gross annual income means income you are able to use to repay your debts. Examples may include but are not limited to income from your salary, investments, rental properties, Social Security benefits and retirement accounts. Alimony, child support, or separate maintenance income need not be revealed if you do not wish to rely on it as a basis for repaying this obligation 3B: Authorized Joint Credit Signature Check below if you are applying for joint credit or credit that you and another person will use. The signature lines below are to be used to acknowledge this. I (which means the Applicant and any Joint Applicant) certify that (a) I am at least 18 years of age; (b) I am either a United States citizen or a permanent resident of the United States; (c) I have read and understand the terms, authorizations and disclosures included with this application, including arbitration, and agree to them; and (d) all of the information contained in this application is true, accurate and correct. I acknowledge and agree that each of us, together and individually, is responsible for all transactions, amounts owed and other obligations, even if the credit card account is used by only one of us. We intend to apply for joint credit Signature of Primary Applicant Signature of Joint Applicant 3C: Authorized Business Officer Signature Authorized Business Signature The undersigned (the Authorized Individual ) hereby represents and warrants that (i) he or she is an officer, owner, principal or other authorized individual of the Business, (ii) he or she is duly authorized to enter into this agreement on behalf of the Business, and (iii) the above information is true and accurate. The Authorized Individual also agrees, on behalf of the Business, that (i) use of the Business Cards(s) shall be and hereby is bound by the terms and conditions, which may be amended from time to time, which are incorporated herein by reference and will accompany the original issuance of the Business Card(s), (ii) Fifth Third Bank (the Bank ) shall be and hereby is authorized to obtain, receive, and report credit information of the Business regarding this application or resulting accounts. The Business will be liable for all indebtedness incurred by use of the Business Card(s) whether authorized or unauthorized. To the extent permitted by applicable law, I consent that Fifth Third may contact me at any telephone number that I have provided, any number that I have called Fifth Third from or any number Fifth Third has for me in its records, including my cellular or other wireless device to service my account or for collection purposes. Fifth Third has my permission to contact me by any means available, including by text message. I also agree that Fifth Third may contact me using prerecorded messages or automatic dialers. If I provide Fifth Third an address, I also consent to contact by . To secure all amounts owed to Bank and affiliates of Bank hereunder and under the Business Card(s), whether now existing or hereinafter arising, the Business pledges a security interest in all of Business s now existing or hereinafter arising accounts, inventory, equipment, general intangibles, chattel paper, instruments, documents, and all products and proceeds of the foregoing wherever any of the same may be located including without limitation, collateral of any nature hypothecated pursuant to other instruments evidencing indebtedness of Business to Bank or any affiliate of Bank, or assets of any nature held by Bank or any affiliate of Bank, for Business. The Guarantor(s) hereby authorize the Bank to seek confirmation or clarification on certain information needed to complete this application by contacting the Financial Institution and authorize the Financial Institution to provide this information, for the sole purpose of clarification and confirmation, including material that would be deemed to be non-public personal information under the Gramm-Leach-Bliley Act, or customer financial records under the applicable state and federal financial privacy laws. Authorized Business Officer Full Name Signature Title

6 Step 4 Additional Information 4A: Financial Institution Reference (Required if No Personal Guarantor) Checking/Savings Summary (Last 12 months) Average Balance Loan Summary (Last 12 months) Average Balance Type of Credit Opened Years/Month as Customer Opened High Credit Name of Financial Institution Representative Financial Institution Address Signature Title Comments: 4B: Application Checklist (Required Documents) Additional information may be requested after we receive your application packet*. Personally Guaranteed Applications: up to $35,000 requested limit q Completed and signed application q Corporate resolution (Certified Articles of Incorporation, Business Certificate, etc.) q Reference from Financial Institution (Optional) Personally Guaranteed Applications: over $35,000 requested limit q Completed and signed application q Corporate resolution (Certified Articles of Incorporation, Business Certificate, etc.) q Last 2 years audited financial statements or tax returns (current within the last 6 months) q Reference from Financial Institution (Optional) All Non-Personally Guaranteed Applications q Completed and signed application q Corporate resolution (Certified Articles of Incorporation, Business Certificate, etc.) q Last 2 years audited financial statements or tax returns (current within the last 6 months) q Reference from Financial Institution Step 5 Send in Application FAX application and supporting documents to: OR MAIL application and supporting documents to: 1 (513) *Incomplete application information may delay processing. Customer Identification Program In accordance with the USA PATRIOT Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each individual or entity opening an account. This includes all personal and commercial accounts including loan and deposit accounts, as well as trust, brokerage, insurance and investment management accounts. What This Means To Our Customers When you open an account you will be asked for your name, address, social security or tax identification number, date of birth (if applicable) and other information that will allow Fifth Third to identify you. You will also be asked to furnish your driver s license or other identifying documents. We are required to follow this procedure each time an account is opened, even if you are a current customer of Fifth Third. Thank you for helping us to follow this Federally-mandated procedure. Cards are issued by Fifth Third Bank, pursuant to a license from Visa U.S.A., Inc. Card Center MD 1MOB1N 5001 Kingsley Dr. Cincinnati, OH 45263

7 CREDIT CARD DISCLOSURE PAGE Interest Rates and Interest Charges Business Card Annual Percentage 0% introductory APR for the first 6 billing cycles. Rate (APR) for Purchases and Balance Transfers Business Rewards Card Annual Percentage 0% introductory APR for the first 6 billing cycles. Rate (APR) for Purchases and Balance Transfers All Cards APR for Cash Advances Penalty APR and When it Applies How to Avoid Paying Interest on Purchases Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau Fees Annual Fees Annual Fee Transaction Fees Balance Transfer Cash Advance International Transaction Penalty Fees Late Payment After that, your APR will be 12.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate. After that, your APR will be 14.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate. WSJ Prime Rate %; (19.99% minimum, 24.99% maximum) (currently 19.99%) 23.99% This APR may be applied to your Account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased because you are late, the Penalty APR will apply until you make six consecutive minimum payments when due. If your APRs are increased for other reasons than listed above, the Penalty APR will apply for an indefinite period of time. Your due date is at least 26 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $1.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at $0 3.5% of the amount of each transfer, up to a maximum of $99. Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. 3% of each transaction in U.S. dollars. Up to $35 How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Loss of Introductory APR: We may end your introductory APR for Purchases and Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment. AB-POST-BTO Details of Conditions, Rate, Fee, And Other Cost Information Other Fees: $5.00 per periodic statement copy; $5.00 per Transaction Copy. Replacement Card Fee: $ Expedited Card Delivery Fee: $30.00 per Account. Information contained in this Fifth Third Bank Disclosure is accurate as of 01/02/2014 and is subject to change thereafter. To obtain more recent information, please call us at The WSJ Prime Rate means the prime rate published in the Money Rates section of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR for Purchases will be applied to your existing Account balance and to subsequent transactions effective the first day of the Billing Cycle in which we determine the interest rate. If you apply for a non-rewards product, you may qualify for a lower Annual Percentage Rate (APR). California Residents: A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflected on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. New York Residents: A consumer report may be requested in connection with this application. Upon your request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made. New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Service or Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that all credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Rhode Island Residents: A credit report may be requested in connection with this application. Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of a marital property agreement, a unilateral statement under Section of the Wisconsin Statutes ora court decree under Section of the Wisconsin Statutes adversely affects the interests of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. The creditor may give notice of the opening of any credit account to the applicant s spouse. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. Arbitration: The Agreement includes an arbitration provision that allows either of us to elect to resolve, among other things, any Claim by arbitration, in which case, neither of us generally will have the right to have the Claim resolved by a judge or jury. You will not have the right to participate as a representative or member of any class of claimants pertaining to any claim, controversy or dispute subject to arbitration. Other rights that you would have if you went to court may also not be available in arbitration. For additional information, see the Agreement or write to us at: Card Center, PO Box , Cincinnati, OH Rates, fees, and terms may change: As described in the Agreement, we reserve the right to change the terms of your account (including APRs) at any time, for any reason, in addition to the APR increases that may occur for failure to comply with the terms of your account. We also reserve the right to change the benefit features associated with your card at any time. Fair and Accurate Credit Transactions Disclosures: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. Once you receive your new card, call to transfer your high rate balances and take advantage of our Introductory 0% APR offer.

8 CREDIT CARD DISCLOSURE PAGE Interest Rates and Interest Charges Business Card Annual Percentage 0% introductory APR for the first 6 billing cycles. Rate (APR) for Purchases and Balance Transfers Business Rewards Card Annual Percentage 0% introductory APR for the first 6 billing cycles. Rate (APR) for Purchases and Balance Transfers All Cards APR for Cash Advances Penalty APR and When it Applies How to Avoid Paying Interest on Purchases Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau Fees Annual Fees Annual Fee Transaction Fees Balance Transfer Cash Advance International Transaction Penalty Fees Late Payment After that, your APR will be 12.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate. After that, your APR will be 14.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the WSJ Prime Rate. WSJ Prime Rate %; (19.99% minimum, 24.99% maximum) (currently 19.99%) 23.99% This APR may be applied to your Account if you make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased because you are late, the Penalty APR will apply until you make six consecutive minimum payments when due. If your APRs are increased for other reasons than listed above, the Penalty APR will apply for an indefinite period of time. Your due date is at least 26 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. If you are charged interest, the charge will be no less than $1.00. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at $0 3.5% of the amount of each transfer, up to a maximum of $99. Either $5 or 3.5% of the amount of each Cash Advance, whichever is greater. 3% of each transaction in U.S. dollars. Up to $35 How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). Loss of Introductory APR: We may end your introductory APR for Purchases and Balance Transfers and apply the APR in effect or the Penalty APR if you make a late payment. AB-POST-BTO-V Details of Conditions, Rate, Fee, And Other Cost Information Other Fees: $5.00 per periodic statement copy; $5.00 per Transaction Copy. Replacement Card Fee: $ Expedited Card Delivery Fee: $30.00 per Account. Information contained in this Fifth Third Bank Disclosure is accurate as of 01/02/2014 and is subject to change thereafter. To obtain more recent information, please call us at The WSJ Prime Rate means the prime rate published in the Money Rates section of the online version of The Wall Street Journal. We determine the WSJ Prime Rate two days prior to the closing date of your Billing Cycle. Changes to the Daily Periodic Rate and corresponding APR for Purchases will be applied to your existing Account balance and to subsequent transactions effective the first day of the Billing Cycle in which we determine the interest rate. If you apply for a non-rewards product, you may qualify for a lower Annual Percentage Rate (APR). California Residents: A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflected on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If we take any adverse action as defined by Section of the California Civil Code and the adverse action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain within 60 days a free copy of your consumer credit report from the consumer reporting agency who furnished us your consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You have the right as described by Section of the California Civil Code to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency. New York Residents: A consumer report may be requested in connection with this application. Upon your request, you will be informed whether or not a consumer report was requested, and if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal or extension of the credit for which application was made. New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees and grace periods. New York State Department of Financial Service or Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that all credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Rhode Island Residents: A credit report may be requested in connection with this application. Vermont Residents: A consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application. Upon request, you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report. Married Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of a marital property agreement, a unilateral statement under Section of the Wisconsin Statutes ora court decree under Section of the Wisconsin Statutes adversely affects the interests of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. The creditor may give notice of the opening of any credit account to the applicant s spouse. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY. Arbitration: The Agreement includes an arbitration provision that allows either of us to elect to resolve, among other things, any Claim by arbitration, in which case, neither of us generally will have the right to have the Claim resolved by a judge or jury. You will not have the right to participate as a representative or member of any class of claimants pertaining to any claim, controversy or dispute subject to arbitration. Other rights that you would have if you went to court may also not be available in arbitration. For additional information, see the Agreement or write to us at: Card Center, PO Box , Cincinnati, OH Rates, fees, and terms may change: As described in the Agreement, we reserve the right to change the terms of your account (including APRs) at any time, for any reason, in addition to the APR increases that may occur for failure to comply with the terms of your account. We also reserve the right to change the benefit features associated with your card at any time. Fair and Accurate Credit Transactions Disclosures: We may report information about your account(s) to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected on your credit report. Once you receive your new card, call to transfer your high rate balances and take advantage of our Introductory 0% APR offer.