MasterCard® Business Real Rewards Card

• Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5%                             cash back)⁵
• No cap or limit on the number of points you can earn, and you have five years to redeem                          for rewards⁴
• 2,500 bonus rewards points awarded after first purchase³

MasterCard® Business Cash Card

• 3% cash back¹ on eligible net purchases from office supply stores, phone, and TV services^2,4
• 2% cash back on eligible restaurant and gasoline net purchases
• 1% cash back on all other eligible net purchases
• $25 cash back awarded after first purchase³

Important Information

Give your business convenient access to credit, with the flexibility        of choosing a rewards package suited for your spending needs.

 Existing customers may access their Credit Card Account Online

¹Reward 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 in Cash Back Rewards earned is equal to $0.01.  You may simply see “Cash Back” in marketing material when referencing to the rewards                    you earn.  You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle.                        You will also 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                  or restaurants. The number of additional Points earned on office supply store purchases, cellular 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                  were earned.

³Bonus reward points or cash back will be applied 6 to 8 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 subjected to change.  Rewards are earned on eligible net purchases.  Net purchases are purchases minus                           credits and returns.  Not all transactions are eloigned 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 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 Rewards Points (“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 a total of                     3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the                  “Highest Category”) during each billing cycle.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from MasterCard International 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.