Personal Credit Cards

Subject to credit approval. Ask for details.

1 A Balance transfer fee, either 3% or $10, of the amount of each transfer, whichever is greater, will be charged for each balance transfer completed as a part of this promotion. Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

2 Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program Rules, please visit https://fremontbank.myapexcard.com/apply and select Rewards Terms and Conditions. Redemption options are subject to change without notice. Rewards are offered through a third party and are not products of the bank.

3 Bonus points can be redeemed for a credit on your monthly statement at a rate equivalent to 1% of purchases. For example: 5,000 points may be redeemed for $50 cash-back statement credit. Points can also be redeemed for gift cards.

4 A Balance transfer fee, either 1% or $10, of the amount of each transfer, whichever is greater, will be charged for each balance transfer completed as a part of this promotion. Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first. Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

5 We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1 (one) rewards points as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards points. Bonus points: Upon approval, we will mail a letter acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.

6 See the Fremont Bank Guide to Benefits for more information and a complete explanation of card benefits.

7 ATM surcharges will be automatically rebated for any other bank-owned and operated ATM in the United States.

Mastercard® and the Mastercard Brand Mark are registered trademarks and Mastercard Global Service® and Mastercard Airport Concierge® are trademarks of Mastercard International Incorporated, used pursuant to a license.