Forward Bank

¹Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant 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 https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.

²A one time bonus of 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Authorized Officer's card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Cash Advances, Balance Transfers, and Convenience Checks. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.

³The 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 eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. 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).

⁴Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).

⁵Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on the Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

⁶Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

⁷Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.