APR=Annual Percentage Rate.
¹Holiday 5-BONUS Point offer begins on November 27 and ends on December 31, 2020. Not all applicants qualify for lowest loan
rate. Rate based on credit worthiness. All programs, rates, terms, and conditions are subject to change without notice. Interest
rate is variable and based on the Wall Street Journal Prime Rate. ²Qualifying purchases include any purchases made for goods
or services, including but not limited to gas, dining, travel, or bill payments. Balance transfers do not qualify for bonus points.
Additional restrictions may apply. 15K BONUS offer begins on 04/01/2020 and ends on 04/01/2021. ³Points will expire 4 years
from the end of the calendar year (December 31) in which they were earned, and will expire on a first-in, first-out basis annually.