Consumer Disclaimer:

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 considered to be Purchases and eligible to earn rewards, such as transactions posting as
Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler’s checks, money orders,
foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and
transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon
approval, see your Cardmember Agreement for details. Account must be open and in good standing (not past due or overlimit) to
earn and redeem rewards and benefits. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of
your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay,
bankruptcy, or death). Rewards expire 5 years from when they are earned, refer to your Program Rules for full details.

1. Business Cash Preferred Card: You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and
restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as
Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. In
addition, you will earn 5% (1% base and 4% bonus) for every dollar in eligible Net Purchases spent on prepaid car and hotel reservations
purchased in the Rewards Center using your Business Cash Preferred Card. Prepaid car and hotel reservations purchased in the
Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that
category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel
and as such will earn a base reward of 1%. Each merchant’s business is identified by a category code established by Visa and
Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible
for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to
determine which Purchases qualify for additional Rewards. Please allow 1-2 statement billing cycles for your cash back reward to
appear on your credit card statement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial
Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within
1-2 statement billing cycles, or as a Rewards Card.

2. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.

3. Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Account within 2
statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service
provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/
retail stores or online retailers may not qualify. Each merchant’s business is identified by a category code established by Visa and
Mastercard. A Purchase will not earn additional Points if the category code applied to a merchant is in a category that is not eligible for
additional Points earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to
determine which Purchases qualify for this credit.

4. Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 1-2 statement billing cycles after first
purchase and is not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer
purchases.

5. Business Real Rewards Card: You will earn 1.5 Points per dollar spent on eligible Net Purchases charged to your Account during each
billing cycle. In addition, you will earn 5.5 Points (1.5 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases spent
on prepaid car and hotel reservations purchased in the Rewards Center using your Business Real Rewards Card. Prepaid car and hotel
reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive
the additional Points for that category. Please allow 1-2 statement billing cycles for your Points reward to appear on your credit card
statement. Monthly Net Purchase Points will be applied each billing cycle.

6. Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings
account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit
card account, which will be deposited within one to two billing cycles or as a Rewards Card.

7. Maximum Point value applies to points redeemed as a cash deposit into an eligible Bank account with this Financial Institution. The
redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/
or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

8. Smart Business Rewards Card: You will earn 1 Point per dollar spent on eligible Net Purchases charged to your Account during each
billing cycle. In addition, you will earn 2 Points (1 base Point and 1 bonus Point) per dollar spent on eligible Net Purchases in your top 2
highest spend categories (Highest Categories) each billing cycle. Highest Categories can change with each billing cycle, depending on
your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the
most. Some exclusions apply. Please visit card.myaccountaccess.com/smartbusinessVisa or https://card.myaccountaccess.com/
smartbusinessMastercard to see the full list of eligible merchant categories. In addition, you will earn 5 Points (1 base Point and 4
bonus Points) for every dollar in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Rewards Center
using your Smart Business Rewards Card. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as
travel category merchant transactions and are not eligible to receive the additional Points for that category. Each merchant’s business
is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Points if the category code
applied to a merchant is in a category that is not eligible for additional Points earning. We do not determine the category codes applied
to merchants’ businesses and reserve the right to determine which Purchases qualify for additional Rewards. Please allow 1-2
statement billing cycles for your Points reward to appear on your credit card statement.

9. If you’re approved for a new Smart Business Rewards Card, a one-time 20,000 bonus Points will be awarded after eligible Net
Purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points
will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the
Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer.
Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.

*Elan 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.