**The 0% introductory APR does not apply to Cash Advances and is valid for the first six billing cycles on Purchases and Balance Transfers. Thereafter, the APR may vary, and as of 02/22/10, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%–20.99% (depending on your credit history). The variable APR for Purchases and Balance Transfers then in effect will apply to any outstanding balances after the promotional period ends. For updated rate information, call 1-866-951-1389. The variable APR for Cash Advances is 23.99%. Cash Advance Fee: 4%, $10 minimum. Convenience Check Advance Fee: 3%, $5 minimum. Cash Equivalent Fee: 4%, $20 minimum. Balance Transfer fees will apply, which are 3%, $5 minimum. There is a $2 minimum finance charge where interest is due. Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% for foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The Late Payment Fee is $19 for balances less than $100, $29 for balances between $100–$250, and $39 for balances of $250 and higher.

The creditor, issuer, and service provider is Elan Financial Services.

Associated Bank, N.A. is a Member FDIC and Associated Banc-Corp.