IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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.

We apply your payments to balances with lower APRs, including promotional APRs, before balances with higher APRs.

Interest Rates and Interest Charges	Visa® Business Real Rewards Card
Annual Percentage Rate (APR) for Purchases	Business Real Rewards: 0% introductory APR for the first 6 billing cycles. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Business Real Rewards: 0% introductory APR for the first 6 billing cycles for balances transferred within 186 days from account opening. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	Business Real Rewards: 23.99% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	28.99%      This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: 1) Make payments 5 calendar days late twice or 30 calendar days once; or 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months. How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
How to Avoid Paying Interest on Purchases	Your due date is 24 - 30 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $2.
Fees	Visa® Business Real Rewards Card
Annual Fee
• Annual Membership Fee	None
Transaction Fees
• Balance Transfer	Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
• Convenience Check Cash Advance1	Either 3% of the amount of each advance or $5 minimum, whichever is greater.
• Cash Advance ATM	Either 4% of the amount of each advance or $10 minimum, whichever is greater.
• Cash Advance	Either 4% of the amount of each advance or $10 minimum, whichever is greater.
• Cash Equivalent Advance	Either 4% of the amount of each advance or $20 minimum, whichever is greater.
• Overdraft Protection2	$10
• Foreign Transaction	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
Penalty Fees
• Late Payment	$19 on balances up to $100,  $29 on balances from $100 up to $250,  $39 on balances of $250 or more
• Returned Payment	$35
• Overlimit	$39

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.

Loss of Introductory APR: We may end your introductory APR and apply the standard APR or Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its Credit Limit.

The information about the costs of the card described in this application is accurate as of 03/2021. This information may have changed after this date. To find out what may have changed, call us at 1-866-552-8855 (we accept relay calls) or write to us at P.O. Box 6353, Fargo, ND 58125-6353.

¹Not all products receive Convenience Checks.

²Not all products offer Overdraft Protection.

How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Important Terms and Application Agreement:
Customer Affirmation of Intent to Apply
If an application is being submitted on your behalf, we ask that you provide confirmation of your intent to apply by texting the word "APPLY" to "91956". By doing so, you will receive a one-time passcode to complete the application process from the Cardmember Service - Intent to Apply program. Message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages. Reply "HELP" for help.  Our Privacy Policy can be viewed at https://www.myaccountaccess.com/privacy.

Business Owner authorizes Elan Financial Services ("we," "us" or "our") to obtain a consumer credit report and a business credit report for use in assessing his/her personal creditworthiness in connection with an Application by Business, of which Business Owner is an employee, principal, owner, partner, officer or guarantor, for a Business Cash, Business Real Rewards, Business Rewards PLUS or Business Card. We need such consumer reports because Business Owner may have a direct, contingent, present or future liability to us for the Business’s obligation in connection with the Account. All applicants agree that, as long as the Account is open, we may obtain credit reports about the applicants from time to time. We reserve the right to consider the applicant for a lower line of credit if one was requested. This Application must be submitted by a Business Owner with authority to bind the Business to the terms of this Application Agreement. The Business Owner certifies that the execution, delivery and performance of this Application has been authorized by all necessary corporate action by the Business, and will provide evidence of such action upon request. If the Business is approved for the Business Cash, Business Real Rewards, Business Rewards PLUS or Business Card, the Business Owner requests and directs us to open a Business Cash, Business Real Rewards, Business Rewards PLUS or Business Card, ("Account") and to issue Business Cash, Business Real Rewards, Business Rewards PLUS or Business Card ("Cards") to any individual Employees of the Business, including the Business Owner, designated by the Business Owner on this Application or its addendum, or by any process agreed to by us and the Business. The Business Owner and the Business shall be jointly and severally liable for all charges on the account. Each applicant understands and agrees that we may increase or decrease the APR or credit limit assigned to the Account and/or the Cards within the Account or close the Account at any time based on our credit guidelines, credit report information, Account history or the financial circumstances of the Cardmember. At the time the Account is opened, individual Employees, including the Business Owner, will be issued Cards and a Business Cash, Business Real Rewards, Business Rewards PLUS or Business Card Cardmember Agreement governing individual use of the Account. By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. Use of the Card or the Account will signify acceptance of the terms of the Cardmember Agreement, which may be amended from time to time. All applicants must be at least 18 years old and agree that Accounts will be used primarily for business purposes, and not personal, family or household purposes. You agree that, in order to open and administer the Account that may be established as a result of this Application, we and the correspondent financial institution that solicited this Application may share certain information about you and your ongoing Account activity. Information from this Application may be shared with our affiliates. Cash access is subject to credit approval.  You certify that to the best of your knowledge, the information provided about yourself, the name and address provided for the legal entity customer, and the information provided about the beneficial owner(s) and/or the individual with control over the legal entity customer is complete and correct.

(a) Rewards Points. From the date you open your Account until your Account is closed, you will receive 1.5 Reward Points ("Points") for each dollar of Net Purchases charged to your Account during each billing cycle that the Account is open and current (account is not past due or overlimit) on the closing date for the billing cycle. The number of Points that may accumulate in any monthly billing cycle for your Account is unlimited. "Net Purchases" for a statement period are determined by totaling all new Purchases charged to the Account during the billing cycle, then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments. If credits during a statement period exceed Purchases, the credit balance will be carried over to the following billing cycles and offset against future Purchases charged to the Account for purposes of awarding Points. We may round Net Purchases up or down to a whole dollar amount for purposes of determining and awarding Points. Points are not earned for Advances (including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience Checks, Balance Transfers, and Fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. We reserve the right to adjust or reverse the number of Points that were awarded for unauthorized Purchases. Points may be earned and redeemed at the Business level or at the Cardmember level, as described further below. 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). Points are nontransferable and have no cash value. Please allow up to 60 days after a Purchase for Points on that Purchase to post to your Points balance.

(b) Program Rules. Complete terms and conditions for the Rewards Program, (the "Program"), including rules regarding the redemption, expiration, loss or cancellation of Points, award thresholds, eligibility, participation, and our right to amend or terminate the Program, are set forth in our Rewards Program Rules (the "Program Rules") that are provided to you separately. The Program Rules will exclusively govern the terms of the Program and, with respect to the Rewards Program, to the extent the Program Rules conflict with the terms of this Cardmember Agreement or any other materials the Program Rules will control. We reserve the right to amend or cancel the Program or change Program benefits at any time with or without notice to you. Please review the Program Rules and FAQ online through the Rewards Center. Points will be pooled to one Points balance at the Business level. The individual, who executed the application for credit, will have the sole authority to redeem the pooled Points. If the Points balance changes from pooled to individual, any unredeemed Points will stay pooled and will not transfer to the individual Points balance.