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*Visa Platinum Card: The 0% introductory APR applies to Purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to Balance Transfers made within 620 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 2/01/19, 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. The annual fee is $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. 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. This offer is valid only for new Visa Platinum consumer card accounts with this Financial Institution and the application must be submitted by May 31, 2019, through a branch office or call center. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©2019 Elan Financial Services. All rights reserved. Visa Real Rewards: Subject to credit approval. The 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. Account must be open and in good standing to earn and redeem rewards and benefits. 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). Points expire five years from the end of the quarter in which they are earned. Cardmember will receive a bonus of 7,500 points upon first purchase, which is in addition to the standard 2,500 points awarded after a first purchase, for a total of 10,000 initial points. In order to qualify, the first purchase must be made by November 30, 2019. This offer is valid only for new Visa® Real Rewards consumer accounts with this Financial Institution and the application must be submitted between May 1-September 30, 2019, through a branch office or call center. Please allow 6-8 weeks after the spend requirement has been met for the bonus points to be credited to the account. The 2,500 “standard” bonus points and the 7,500 “special” bonus points may be awarded in separate billing cycles. This offer excludes business products and is also not valid on College Real Rewards or the employee product. **Reward points can be redeemed for a cash deposit to a checking or savings account held at this Financial Institution within seven business days or as a statement credit to their account within one to two billing cycles. The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

©2019 Elan Financial Services.