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VISA BUSINESS Summary of Visa Card Account Terms VISA BUSINESS TRAVEL CARDS Visa Business Card Mira Business APPLY TODAY! Travel Card Annual $0 the first year and every year that yyoou cha a at LLJ Membership Fee least one purchase to the account CMherwise125. Amual Program Fee $0 $55 srny�re� d Annual Percentage 0%*for the first 6 months,variable thereafter. it l' Purc hases)for 7.9% ,13.9% Other APRs 14.9%variable for cash advances 23.99%0 fixed for delinquent balances Your Annual Percentage Rate may vary monthly.The rate will be 0% -1 determined b addin&a Margin to the Prime Rate.' _ Variable Rate The Margin used is as follows: Inkrmation 3.9%to 9.9%for purchases Introductory y 10.9% Grace Period You have 20.25 days to repay our balances for purchases before a � being charged a finance charge. Method of - Computing the Average Daily Balance Method(including new purchases) = F r Balance fors Purchases _ ��a ��r��r' Minimum or •$2.00(only in statement periods in which interest is due). * Fixed Finance -Account management fee:$2.50 per month a you CD — , �•, Charge voluntarily close your account with a balance. M -Cash advance fee:4%of transaction amount$5 minimum. `' ' -Cash equivalent fee.4%of transaction amount,$10 minimum. N Other Fees *Foreign currency fee:3%of the converted transaction. .Late payment fee:$35 •Oveb rlimk fee:$35 L0 — a THIS INFORMATION IS ACCURATE AS OF 712004 AND MAY CHANGE.TO Q FIND OUT WHAT MAY HAVE CHANGED,CALL US AT 1.866.552.8855. M W ,, "Your rate will be dependent upon your credit history. W Y "The account must remain open and current(no minimum payment past due)to receive the introductory APR.If the minimum payment is not received by the Payment Due Date,the I—M ', .s : introductory rate will increase to the standard purchase rate that would otherwise apply. Cn X I— Ta "The increased APR will apply to all balances in the event the account is 30 days past due once W O O or 5 past due twice in a nY twelve(12 month period. L U m O *'*The Prime Rate used to calculate the APR is a variable rate that is adjusted monthly based on the highest Prime Rate published on the last business day within the last three months in the"Money Rates"column of The Wall Street Journal,currently 4.00%. x Travel Rewards Program.The Issuer will award one travel point for each dollar of"net �r purchases"charged to aVisa Business Travel Card account during each statement period,up �i. to a maximum of 10,000 points per statement period per account Travel points will not be awarded to a cardmember for net purchases during a statement period 9 the cardmembees •» account is not open and current on the statement closing date. Travel points will not be awarded for cash advances or other Account Advances as defined in the Cardmember Agreement Travel points will be awarded to,and may be redeemed by individual cardmembers r.,) only,and not the Company(if any)or any other person. Travel points may be redeemed ' for round-trip airfare beginning at 25,000 points(subject to the maximum ticket prices and redemption schedule set forth in the Travel Rewards Program Rules)or for as few as 5,000 r; fi n points for non-travel redemptions. Complete terms and conditions for the Travel Rewards Program,including rules regarding the Annual Program Fee,net purchases,the redemption, , expiration,loss or cancellation of travel points,awards,award thresholds,eligibility,participations and the Issuer's right to amend or terminate the Program,are set forth in the Travel Rewards Program Rules which will be provided toVisa Business Travel Cardmembers. e t � Notice to Ohio Residents:The Ohio laws against discrimination require that all creditors 4 r' • make credit equally available to all creditworthy customers,and that credit reporting agencies ' '' c maintains rate credit histories on each individual upon request The Ohio Civil Rights e� P° C Commissirn administers cr je with this law. C 02004 Elan Financial Services Printing date 7104 P.O.Box 6369 Fargo,ND 58125-6369 FBC616 NON