Employee Disclosure 1 - TRAVEL REWARDS+ CARD

Travel Rewards+ Card: You will earn 1.5 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (1.5 base Points and 2.5 bonus Points) per dollar spent on eligible Net Purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station and electric vehicle charging station (at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will only earn 1.5 Points), entertainment, and recreation category codes. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. Points expire 5 years from when they are earned, refer to your Program Rules for full details.