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 0% introductory APR applies to purchases and is valid for the first 20 billing cycles. The 0% introductory APR applies to balance transfers made within 620 days from account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 12/21/18, the undiscounted variable APR for Purchases and Balance Transfers is 14.24%-23.24% based on your creditworthiness. The variable APR for Cash Advances is 26.24%. 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: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. Annual fee: $0. 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. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

• ¹Elan 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.
• ²The free VantageScore® Credit Score is for educational purposes only and is not used by Elan Financial Services to make credit decisions.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.