Final answer:
SSH and Telnet are the two applications that provide virtual terminal access to remote servers, with SSH offering encryption and Telnet lacking in security features.
Step-by-step explanation:
The two applications that provide virtual terminal access to remote servers are SSH (Secure Shell) and Telnet. SSH is a cryptographic network protocol used to securely access network services over an unsecured network, offering both authentication and encryption. On the other hand, Telnet is an older protocol that allows for a bidirectional interactive text-oriented communication facility using a virtual terminal connection, but it lacks the security features of SSH, sending data in clear text without encryption which can be susceptible to interception.