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CREDIT CARDS

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1 The Elan Rewards Program is subject to change. Points earned on Net Purchases (purchases minus credits and returns). Points expire five years from the end of the quarter in which they are earned. Bonus Rewards: The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25%). Bonus Rewards Plus: The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50%). Monthly net purchase bonus points will be applied each billing cycle.

2 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

3 Visa Bonus Rewards, Visa Bonus Rewards PLUS, Cash Rewards American Express® Card, Travel Rewards American Express® Card: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 02-21-15, the undiscounted variable APR for Purchases and Balance Transfers is 11.99% - 22.99% (based on your creditworthiness). Visa Platinum: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 02-21-15, the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0 for Visa Bonus Rewards, Visa Platinum and Cash Rewards American Express Card. The annual fee is $50 for Visa Bonus Rewards PLUS and $95 for Travel Rewards American Express Card. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. $0 Foreign Transaction Fees for Travel Rewards American Express Card. We apply your minimum payment to balances with lower APRs first, including promotional balances. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember agreement and applicable law. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

4 Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

5 Certain terms, conditions and exclusions apply. Please refer to your guide to benefits that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.

6 Save 10% on up to one round trip airline ticket with your Travel Rewards American Express® Card. Offer only valid on airline travel within the 48 contiguous states where the Cardmember is the primary traveler. Airfare must be booked through Amexconnect.com/mycardbenefits or Concierge Travel Services and paid for entirely using your Travel Rewards American Express® Card. The 10% discount will be applied to the lowest available ticket price. No blackout dates, no minimum prices and unlimited use. Certain exclusions, restrictions and limitations apply.

7 Cash Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle.

8 Travel Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: hotels and restaurants. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines.

9 During the specified sales period, tickets are available exclusively to all American Express Card Members. Tickets must be purchased with an American Express Card. Offer is subject to availability. Not all seats are available and blackout dates apply. Offer valid in select cities.