¹ Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

²Cash Rewards Card: Cash back rewards are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point is equal to $0.01. You may simply see "cash back" in material when referring to the rewards you earn. You will earn one reward point for each dollar of eligible net purchases charged to your account during each billing cycle. You will also earn two additional points (for a total of three 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 as office supplies or cell phone, landline, internet, and cable TV services. You will earn one additional point (for a total of two 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 or restaurants. The number of additional points earned on office supply store purchases, cell phone, landline, internet, and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

³Bonus rewards points or cash back will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

⁴The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as advances, balance transfers, and convenience checks. Upon approval, see your Cardmember Agreement for details. You may not redeem points, and you will immediately lose all of your points, if your Account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death).

⁵Real Rewards: You will earn 1.5 reward points for each dollar of eligible Net Purchases made with your account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

⁶Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 reward points for each dollar of eligible net purchases made with your account. You may earn additional points for purchases at merchants that are classified as: airlines, cell phone services, or hotels (each, a "Category"). You will earn an additional 1.5 reward points (for a total of three reward points) for each dollar of net purchases in the one category that has the highest total net purchases charged to your account during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.