Bremer Enhances Client Experience with New Online Feature; Expanded Functionality Includes Online Credit Card Applications

Business Wire, July 12, 2004

ST. PAUL, Minn. -- Bremer is offering current and potential clients a different way to make the most of their online banking experience at Bremer.com by offering an easier way to apply for specific products and services. This expanded functionality ensures a personalized and convenient client experience and includes the ability to apply for a Bremer credit card while online.

As part of the enhancements, clients using Bremer.com will have the ability to view credit card products and apply online. This online application will provide clients the convenience of applying for a credit card without having to visit a Bremer location to complete an application. An added benefit is that the applicant will be able to receive an approval and credit line decision within two minutes after the electronic application has been submitted.

Through Bremer's partnership with ELAN, Bremer offers a suite of five consumer credit cards that meet the diverse needs of our clients, including cards that provide rewards. Based on the applicant's specific needs, he or she can apply for any one of the following cards each with a unique offer and special benefits:

Cash Rewards Visa(R) Card -- Earn up to 1% cash back with every purchase. No annual fee when you make just one purchase per year. Special low rate for the first six months.

Visa(R) Classic Card -- Special low rate for the first six months.

College Visa(R) Classic Card -- Helps college students establish a solid credit rating. No cosigner needed to apply. No annual fee when you make just one purchase per year.

Visa(R) Platinum Card -- No annual fee when you make just one purchase per year. Special low rate for the first six months.

Visa(R) Travel Rewards Card -- Special low rate for the first six months. Earn one reward point for every net purchase dollar you charge up to 10,000 points a month, including 2,500 bonus points awarded upon application approval. Exchange points for tickets on any airline.

Bremer Financial Corporation is a privately-held $5.7 billion regional financial services company owned by the Otto Bremer Foundation and Bremer's more than 1,800 employees. Founded in 1943 by Otto Bremer, the company is headquartered in Saint Paul and provides a variety of banking, investment, trust, and insurance services in over 100 locations throughout Minnesota, North Dakota, and Wisconsin. Visit Bremer on the Web at www.bremer.com.