4/14/2016 Credit�Card�Services
https://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=02 1/3
Travel�Rewards�American�Express��Card�Terms�and�Conditions
IMPORTANT�INFORMATION�ABOUT�PROCEDURES�FOR�OPENING�A�NEW�ACCOUNT:�To�help�the�government�fight�the�funding�of�terrorism
and�money�laundering�activities,�federal�law�requires�all�financial�institutions�to�obtain,�verify�and�record�information�that�identifies�each�person
who�opens�an�account.�What�this�means�for�you:�When�you�open�an�account,�we�will�ask�you�for�your�name,�address,�date�of�birth�and�other
information�that�will�allow�us�to�identify�you.�We�may�ask�to�see�your�driver�s�license�or�other�identifying�documents.
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.
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. 4/14/2016 Credit�Card�Services
https://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=02 2/3�Annual�Membership�Fee
�Balance�Transfer
�Convenience�Check�Cash�Advance
�Cash�Advance�ATM
�Cash�Advance
�Cash�Equivalent�Advance
�Overdraft�Protection
�Foreign�Transaction
�Late�Payment
�Returned�Payment
�OverlimitDisclosure�of�Credit�Card�Terms
Interest�Rates�and�Interest�ChargesTravel�Rewards�American�Express��Card
Annual�Percentage�Rate�(APR)�for
PurchasesTravel�Rewards:�0%�introductory�APR�for�the�first�6�billing�cycles.�After�that,�
12.24%�to�23.24%�based�on�your�creditworthiness�when�you�open�your�account.
This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.
APR�for�Balance�Transfers Travel�Rewards:�0%�introductory�APR�for�the�first�6�billing�cycles�for�balances�transferred�within
186�days�from�account�opening.�After�that,
12.24%�to�23.24%�based�on�your�creditworthiness�when�you�open�your�account.
This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.
APR�for�Cash�Advances Travel�Rewards:�24.24%
This�APR�will�vary�with�the�market�based�on�the�Prime�Rate.
Penalty�APR�and�When�it�AppliesNot�applicable
How�to�Avoid�Paying�Interest�on
PurchasesYour�due�date�is�24���30�days�after�the�close�of�each�billing�cycle.�We�will�not�charge�you�interest
on�purchases�if�you�pay�your�entire�balance�by�the�due�date�each�month.
Minimum�Interest�Charge If�you�are�charged�interest,�the�charge�will�be�no�less�than�$2.
For�Credit�Card�Tips�from�the
Consumer�Financial�Protection�BureauTo�learn�more�about�factors�to�consider�when�applying�for�or�using�a�credit�card,�visit�the�website
of�the�Consumer�Financial�Protection�Bureau�at�http://www.consumerfinance.gov/learnmore
Fees Travel�Rewards�American�Express��Card
Annual�Fee
$95
Transaction�Fees
Either�3%�of�the�amount�of�each�transfer�or�$5�minimum,�whichever�is�greater.
Either�3%�of�the�amount�of�each�advance�or�$5�minimum,�whichever�is�greater.
Either�4%�of�the�amount�of�each�advance�or�$10�minimum,�whichever�is�greater.
Either�4%�of�the�amount�of�each�advance�or�$10�minimum,�whichever�is�greater.
Either�4%�of�the�amount�of�each�advance�or�$20�minimum,�whichever�is�greater.
$10
None
Penalty�Fees
Up�to�$37
Up�to�$35
None
How�We�Will�Calculate�Your�Balance:�We�use�a�method�called�'average�daily�balance�(including�new�purchases)'.�See�this�account
agreement�for�more�details.
Billing�Rights:��Information�on�your�rights�to�dispute�transactions�and�how�to�exercise�those�rights�is�provided�in�your�Cardmember�Agreement.
The�information�about�the�costs�of�the�card�described�in�this�application�is�accurate�as�of�04/2016.�This�information�may�have�changed�after�this
date.�To�find�out�what�may�have�changed,�call�us�at�1�866�323�3587�(We�accept�relay�calls)�or�write�to�us�at�P.O.�Box�6354,�Fargo,�ND�58125�
6354.
Not�all�products�receive�Convenience�Checks.
Not�all�products�offer�Overdraft�Protection.��$10�per�occurrence.
Notice�to�New�York�Residents:�You�may�contact�the�New�York�State�Department�of�Financial�Services�by�telephone�at�(800)342�3736�or�visit
its�website�at�www.dfs.ny.gov�for�free�information�on�comparative�credit�card�rates,�fees�and�interest�free�periods.
�Notice�to�California�Residents:�An�applicant,�if�married,�may�apply�for�a�separate�account.
Notice�to�Married�Wisconsin�Residents:�No�provision�of�any�marital�property�agreement,�unilateral�statement�under�section�766.59�of�the
Wisconsin�statutes�or�court�decree�under�section�766.70,�adversely�affects�our�interest�unless�we,�prior�to�the�time�the�credit�is�granted�or�an
open�end�credit�plan�is�entered�into,�are�furnished�a�copy�of�the�agreement,�decree�or�court�order,�or�have�actual�knowledge�of�the�adverse
provision.�IF�YOU�ARE�A�MARRIED�WISCONSIN�RESIDENT,�CREDIT�EXTENDED�UNDER�THIS�ACCOUNT�WILL�BE�INCURRED�IN�THE
INTEREST�OF�YOUR�MARRIAGE�OR�FAMILY.1
2
1
2 4/14/2016 Credit�Card�Services
https://online1.elancard.com/oad2/terms.controller?step=display&locationCode=24310&productId=02 3/3Column:�OAD�E�OPROD1B�/�oad.016.03_Build_32Privacy�Pledge���|�����2016�Elan�Financial�ServicesNotice�to�Ohio�Residents:�The�Ohio�laws�against�discrimination�require�that�all�creditors�make�credit�equally�available�to�all�creditworthy
customers,�and�that�credit�reporting�agencies�maintain�separate�credit�histories�on�each�individual�upon�request.�The�Ohio�Civil�Rights
Commission�administers�compliance�with�this�law.
IMPORTANT�TERMS�AND�APPLICATION�AGREEMENT��
By�submitting�this�application,�you�understand�and�agree�that�Elan�Financial�Services�(�we,���us��or��our�),�as�the�creditor�and�issuer�of�your
Account,�will�rely�on�the�information�provided�here�in�making�this�credit�decision,�and�you�certify�that�such�information�is�accurate�and�complete
to�the�best�of�your�knowledge.�If�we�open�an�Account�based�on�this�Application,�you�will�be�individually�liable�(or,�for�joint�Accounts,�individually
and�jointly�liable)�for�all�authorized�charges�and�for�all�fees�referred�to�in�the�most�recent�Cardmember�Agreement,�which�may�be�amended
from�time�to�time.�We�may�request�consumer�credit�reports�about�you�for�evaluating�this�Application�and�in�the�future�for�reviewing�Account
credit�limits,�for�Account�renewal,�for�servicing�and�collection�purposes�and�for�other�legitimate�purposes�associated�with�your�Account.�Upon
your�request,�we�will�inform�you�if�a�consumer�report�was�requested�and,�if�it�was,�provide�you�with�the�name�and�address�of�the�consumer
reporting�agency�that�furnished�the�report.��By�providing�us�with�a�telephone�number�for�a�cellular�phone�or�other�wireless�device,�including�a
number�that�you�later�convert�to�a�cellular�number,�you�are�expressly�consenting�to�receiving�communications�including�but�not�limited�to
prerecorded�or�artificial�voice�message�calls,�text�messages,�and�calls�made�by�an�automatic�telephone�dialing�system�from�us�and�our
affiliates�and�agents�at�that�number.�This�express�consent�applies�to�each�such�telephone�number�that�you�provide�to�us�now�or�in�the�future
and�permits�such�calls�for�non�marketing�purposes.�Calls�and�messages�may�incur�access�fees�from�your�cellular�provider.��By�submitting�this
application,�you�also�agree�that�we�may�verify�your�employment,�income,�address�and�all�other�information�provided�with�other�creditors,�credit
reporting�agencies,�employers,�third�parties�and�through�records�maintained�by�federal�and�state�agencies�(including�state�motor�vehicle
departments)�and�waive�any�rights�of�confidentiality�you�may�have�in�that�information�under�applicable�law.�You�agree�that,�in�order�to�open�and
administer�the�Account�that�may�be�established�as�a�result�of�this�Application,�we�and�the�correspondent�financial�institution�that�solicited�this
Application�may�share�certain�information�about�you�and�your�ongoing�Account�activity.�By�submitting�this�application,�you�certify�that�you�read
and�understood�the�disclosures�here�and�you�agree�to�the�terms�of�this�Application.
Rewards�Program�Rules:
You�will�earn�1�Reward�Point�(�Point�)�for�each�dollar�of�Net�Purchases�charged�to�your�Account�during�each�billing�cycle.�You�will�also�earn�1
additional�Point�(for�a�total�of�2�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:�hotels�and�restaurants.�In�addition,�you�will�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
the�merchant�category�code�of�airlines.�Merchants�are�assigned�category�codes�by�American�Express�based�on�what�they�primarily�sell.�A
Purchase�will�not�earn�additional�Points�if�the�merchant�s�code�is�not�in�an�eligible�category.�We�do�not�determine�the�category�codes�that
merchants�are�assigned,�but�we�do�reserve�the�right�to�determine�which�Purchases�qualify�for�additional�Points.�Purchases�made�through�a
third�party�payment�account�or�on�an�online�marketplace�(with�multiple�retailers)�will�not�earn�additional�Points.�In�addition,�a�Purchase�may�not
earn�additional�Points�if�the�merchant�submits�the�Purchase�using�a�mobile�or�wireless�card�reader�or�if�you�use�a�mobile�or�digital�wallet�to
make�the�Purchase.�The�number�of�Points�that�may�accumulate�in�any�monthly�billing�cycle�for�your�Account�is�unlimited.��Points�expire�five
years�from�the�end�of�the�quarter�in�which�they�are�earned.�Account�must�be�open�and�in�good�standing�to�earn�and�redeem�rewards�and
benefits.��Complete�terms�and�conditions�for�the�Rewards�Program�will�be�provided�to�cardmembers.�Rewards�are�administered�by�a�third
party.
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�of�MasterCard�International�Incorporated.�American�Express�is�a
federally�registered�service�mark�of�American�Express.