1. APR = Annual Percentage Rate. Rates and terms subject to change and based on creditworthiness. Business Platinum Rewards Credit Card Agreement

2. Promotional rates on all balances will be effective for 9 billing cycles after the cycle in which the transfer takes place; then the rate on all balances will change to the then-current purchase APR ranging from Prime + 8.99% through Prime + 24.99% APR, depending on creditworthiness, consistent with the Cardholder Agreement. A balance transfer fee of 3% of amount transferred will apply, $10 minimum. No annual fees. All rates and terms subject to change without notice.