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Disclosures

*APY = Annual Percentage Yield.

Rates are subject to change.

* APR = The 0% introductory APR applies to Purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to Balance Transfers made within 744 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 11/1/25, the undiscounted variable APR for Purchases and Balance Transfers is 17.49% to 28.49% (based on your creditworthiness). The variable APR for Cash Advances is 30.74%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. The Foreign Transaction fee is 3% of each foreign purchase transaction or foreign ATM advance transaction. Card ExtendPay fee: A monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay Plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable Card ExtendPay balance. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for Card ExtendPay Plan if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. 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.