Datatrac Great Rate Award® Usage Guidelines

In order to ensure quality and consistency in the usage of Datatrac Great Rate Awards® and Datatrac Content as defined in the Datatrac Great Rate Award® Licensing Agreement (the “Agreement”), Datatrac has established certain usage guidelines which may be found at www.datatrac.net/guidelines (“Usage Guidelines”). Usage Guidelines may be subject to change without notice. For questions or more information about Datatrac Great Rate Awards or Usage Guidelines, please email certification@datatrac.net or visit www.GreatRateAwards.com. The Agreement may be found by visiting www.datatrac.net/eula. Certification criteria for earning a Datatrac Great Rate Award® may be found by visiting www.datatrac.net/CertificationRequirements.

Datatrac certifies banking product performance for rates and fees relative to comparable alternatives. Datatrac does not certify financial institutions. Eligible products include auto loans, boat loans, recreational vehicle loans, unsecured loans, home equity loans, mortgages, credit cards, certificates of deposits or share certificates, money markets, savings accounts, checking account or share drafts and many other retail banking products.

Datatrac permits the financial institution with Certified Products as defined in the Agreement (the “Licensee”) and its affiliates and agencies to use the Datatrac Great Rate Award® Certification Mark (the “Certification Mark”)(Figure 1), Datatrac Content and related claims as part of their internet, print, broadcast, advertising and public relations promotions provided that Licensee meets all requirements as specified in the Agreement and this Usage Guidelines.

To ensure that Licensee's usage of Licensed Materials meets the guidelines herein, Licensee is encouraged to submit any use of the Certification Mark or Datatrac Content to Datatrac for approval prior to publishing by submitting a visual representation of the collateral or advertising that will contain the Certification Mark and/or Datatrac Content. Approval requests should be sent to certification@datatrac.net and will receive a response within one business day.

All financial institutions that do not have a valid license Agreement, including representatives thereof, are prohibited from using the Certification Mark or Datatrac Content.

A. Requirements for Use

1. Licensee must have a valid Agreement and be certified for at least one product before using the Certification Mark or publishing Datatrac Content.
2. Only Certified Products as defined in the Agreement may be identified with the Certification Mark or related claims.
3. Advertising claims may only be used to promote the Licensee's positive results without denigrating other financial institutions or other third parties.
4. When referring to the performance of a Certified Product, Licensee must cite competitive data from the Datatrac Marquee (Figure 2) and/or a Datatrac Great Rate Award® Certification Report (the “Certification Report”) from which the Certified Product was certified (Figure 3 and Figure 4). IMPORTANT NOTE: Only Certification Reports clearly marked ‘Certified’ should be used. Certification Reports marked ‘Certification Required’ should not be used to make any claims or statements.
5. Licensees must use clear and conspicuous disclosure as defined in Section 4 of this Usage Guidelines when Certification Marks or Datatrac Content is used. 
6. Licensee must not use the Certification Mark or Datatrac Content in any way that implies and endorsement of advertising claims or implies that Datatrac has rated, endorsed or chosen any particular financial institution.

B. Award/Logo Reproduction

1. Except for Certified Merchandise as defined in the Agreement, all use of Awards must or Certification Marks must clearly indicate the following (see Section III herein for examples):
   If the dollar amount saved or earned is quoted, an explanation of how the amount was computed must be included (see Section 4.a herein.)
        a.. The Licensee’s name or logo, and
        b. The Certified Product for which the Award was given, and
        c. The geographic market in which the Award was given, and
        d. The time period for which the Award was given.
2. The Award must be either an actual photographic representation of the trophy (“Award Trophy”) or the approved Certification Mark as provided by Licensor. Photographic representation of Award Trophy must be vivid with all text readable without magnification.
3. The Certification Mark must contain a date and be a vivid reproduction of at least one inch in diameter in its final reproduced form with all text within the Award graphics readable without magnification.
4. Clear and conspicuous disclosures as indicated in Section 4 herein shall accompany all uses of the Award or Certification Mark.

C. Examples of Reproduction and Usage of Datatrac Great Rate Award® Certification Mark

1. Certification Mark usage must contain a date and be a vivid color or greyscale reproduction of at least one inch in diameter with all text within the Award graphics readable without magnification.
   
   
2. Unless used by Datatrac or in Certified Merchandise purchased from Datatrac or otherwise approved by Datatrac, Certification Mark should not be displayed without a date or without tagline indicated in the bottom of the logo as shown below:
   
   
3. Reproductions that are less than one inch in diameter, not high quality or where text is unreadable without magnification are unacceptable.
   
   

D. Examples of Required Disclosures

The data contained in the following disclosures can be found in Datatrac Certification Reports which also serve as backup validation to support an advertising claim. This report can be obtained by any Licensee at by submitting a request to certification@datatrac.net with the Licensee name, product, market and period for which certification is sought.

1.  Following is an acceptable disclosure example when both the dollar amount saved or earned, and the percentage outperformed are displayed.
   
2. Following is an acceptable example that includes the required disclosures in one statement, including the name of the institution, the Certified Product and the date and market certified.
   
   
3. Following is an acceptable example where the disclosure is broken into two statements with a primary claim and a footnote.
   
   
4. Following is an acceptable statement that refers to a Datatrac Marquee hosted on your website. This option must include the website address that points directly to the location of the Datatrac Marquee.
   
   
5. It is unacceptable to make a claim that does not make reference to the products(s), date and market certified.
   
   
6. The following may be added in addition to, but not as a replacement for, the required disclosures in order to provide more information about the source of the data.
   
   

E. Publishing Datatrac Content

Publishing Datatrac Content including but not limited to articles, Proof Points™ (e.g. ‘ABC Financial can save you $2,567 on your next home equity loan’ or ‘ABC Financial’s money markets pay you 2x the national average’ or ‘ABC Financial’s credit cards have been lower than the national average for the last eight years.’) or other research and analysis requires that Datatrac be cited as the source as indicated below depending upon the type of reference: 

1. For Licensee use in charts and posts made on web banners, Facebook, Twitter, blogs and other social media:
   
   Source: Datatrac (If online, this reference must link to Licensee’s page containing a Datatrac Marquee.)
   
   
2. For use in articles, press releases, newsletters, email marketing and all other publishing of Datatrac Content:
   
   About DatatracDatatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees and product features for over 25 years. Datatrac research and analysis is updated daily based upon America's largest interest rate database with over 1 billion current and historical rates for over 100,000 banking locations across North America. Datatrac Great Rate Awards® certify that deposit and loan rates outperform the market average for comparable products. Visit www.datatrac.net for more information.
   

F. Datatac API and RSS Feeds.

1. Data obtained from the API or RSS feeds shall be used in accordance with Permitted Uses as defined in the Datatrac Great Rate Award License Agreement (www.datatrac.net/eula.)
2. Data obtained from the API or RSS feeds must not be stored for a period longer than 48 hours.
3. The following statements must be clearly and conspicuously placed near where the Licensed Materials are being displayed:
   • ‘Analysis current as of {date}’, where date is the ‘Verified_as_of’ date provided in the data feed.
   • ‘Source: Datatrac’ with a link to http://ww.datatrac.net.
4. All uses of Licensed Materials shall be submitted to certification@datatrac.net and shall be approved by Datatrac prior to public disclosure.

Datatrac Great Rate Award® is a registered certification mark of Datatrac.  ©Copyright, Datatrac Corporation 2015.  All rights reserved.