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WorldPoints RewardsProgram RulesIt’s easy to earn Points —simply use your credit cardfor everyday purchases, likebuying groceries, filling the gastank or paying your utility bill.There’s no additional cost toparticipate in the Program, andyou and your authorized usersare automatically enrolled.Your rewards at a glance:EarnEarn 1 Point per 1 spent on allpurchasesRedeem Travel Gift Cards Cash Back Special EventsRedemption Redemptions start at 2,500 PointsPointsExpiration5 years after the month they were earnedLearn more about:Air Travel Rewardspage 2Car Rental Rewardspage 3Hotel and Resort Rewardspage 3Cash Rewardspage 4Gift Card Rewardspage 4Experiences — Special events and show ticketspage 5The following Program Rules provide what you need to know about the WorldPointsrewards program. Please review this document and keep it for reference. If we make anychanges to the Program, we’ll let you know on fiacardservices.com/worldpoints, or by mail.fiacardservices.com/worldpoints 1.800.433.5662

Page 1Basic terms and definitionsAccount in Good Standing — An accountthat is open and has charging privilegesBilling Cycle — The period of time betweenmonthly bills or billing statements, asdefined in your Credit Card AgreementCard — A Visa or MasterCard credit cardwith WorldPoints rewardsCardholder (also referred to as “you”) —Individual credit card customers, jointcredit card customers and authorizedusers, if any, with a WorldPoints rewardscredit card account and charging privileges(excluding corporations, partnerships orother entities)Cash Rewards —A statement credit, anelectronic (ACH) deposit into a checking orsavings account, a check or a charitabledonation, obtained by redeeming Points;Cash Rewards are issued in U.S. dollarsContinental U.S. — The 48 states andWashington, D.C. (not Alaska and Hawaii)Experiential Rewards — Experiencesmade available through the ProgramNet Purchases — The amount ofpurchases less any credits, returns andadjustmentsPoints — Points that are earned orredeemed through the Program; wecalculate Points based on your NetPurchases in each billing cycle, subject toverificationProgram — The WorldPoints rewardsprogramProgram Rules — Refers to the terms andconditions in this document, which governthe Program; these Program Rules areseparate from the terms of the Credit CardAgreement issued with your credit cardRedemption Center — The call center thatprovides Program information; you can calltoll-free at 1.800.433.5662Rewards — Rewards that you can receiveby redeeming PointsSite — The Program website atfiacardservices.com/worldpointsTravel Rewards — Air travel, car rentalsand hotels that are paid for fully or partiallyby redeeming PointsWe/Us/Our — FIA Card Services, N.A.,the sponsor, administrator and issuer ofthe ProgramHow do I earn Points?Use your credit card Earn one Point for every dollar in NetPurchases. 1 1 Point. Fractions of Points greater than .50 arerounded up and less than or equal to .50are rounded down. There’s no limit to how many Points youcan earn. From time to time, special promotionsmay feature the ability to earn bonusPoints; details will accompany the offer.Visit the Site or refer to your monthlystatement to see how many Pointsyou’ve earned.Transactions not eligible for PointsYou won’t earn Points for: Balance Transfers and Cash Advances,including travelers checks, money ordersand other cash equivalents Fees, interest charges and creditinsurance, credit protection, debtcancellation charges Fraudulent transactionsWhat are the types ofRewards?Use your Points to enjoy a wide variety ofRewards, including: Travel Cash Gift Cards Experiential

Page 2How do I redeem my Points?Just go to fiacardservices.com/worldpoints, or call the Redemption Centerat 1.800.433.5662.What you need to know Points are available for redemption assoon as they appear on your statement. Points cannot be redeemed if theaccount is not in good standing, or isclosed, at the time of redemption. Points accrued during any Billing Cycle inwhich the account is two cycles orgreater past due at the end of the BillingCycle will not be awarded. In order to redeem for Rewards, youmust be an individual (no corporations,partnerships, or entities). If you voluntarily close the Card or weclose the Card, all unused Points areimmediately and irrevocably forfeited. When you request a Reward, Points willbe deducted from your account basedon the Point value of the specific Rewardon the date of the request. All redemptions are final. Rewards can’tbe returned, refunded, exchanged orcredited, unless otherwise specified. You can’t transfer or sell Points toanother person. However, you maybe able to transfer Points from oneFIA Card Services, N.A. account toanother. Call for more information tosee if your account qualifies. Points are non-negotiable and have nocash value except when redeemed forCash Rewards.Expiration date for PointsPoints expire five years from the end ofthe billing cycle in which they were earned.Travel RewardsYou can redeem Points for: Airline travel Car rentals Hotel and resort staysWhat you should know Travel Reward redemptions start at2,500 Points. All travel arrangements are subject toavailability. You’ll earn Points for any additional costscharged on your Card. Exchanges or refunds for no-shows orunused portions of travel aren’t allowed.Make sure you provide proper proof ofcitizenship or naturalization if required. From time to time, we may offer you theability to redeem Points for other TravelRewards, such as cruises. Please visitthe Site for availability of, and termsapplicable to, any such Rewards.Air Travel RewardsUse Points to fly to destinations worldwide,using FlexAir Rewards or, for eligiblecustomers, Premium Air Rewards.FlexAirRewardsPremium AirRewardsWho is eligibleAny cardholder Visa Signature or WorldMasterCard cardholdersUsable forworldwide travelYesYesSpecial bookingrequirementsNoYesLimits on the cost Noof flight (maximumdollar value)YesWhat you should know Travel documents will be sent to theemail address you provide at the timeof redemption. Optional charges are not includedin the Reward (e.g., baggage fees,tips, insurance, airline amenities). A convenience fee of up to 30 per ticketwill apply to all Premium Air Rewards. Anadditional 10 booking fee per ticket willapply to Premium Air Rewards booked over

Page 3the telephone. You can avoid the additional 10 booking fee by redeeming online.FlexAir Rewards The number of Points you need to redeemfor a FlexAir Reward will be determined atthe time of redemption. You can redeem for an unlimited dollarvalue on your ticket.Premium Air Rewards — forVisa Signature or World MasterCard cardholders onlyUnless you’re redeeming for first- orbusiness-class travel, the ticket will be ineconomy class, and the lowest fare availableat the time of booking. There is a maximumdollar value for the cost of a ticket.To qualify as a Premium Air Reward,your air travel must meet the followingrequirements: Twenty-one day advance booking andSaturday night stay required. Stopovers of four hours or more aren’tallowed. Tickets must be round trip on thesame U.S. carrier approved by theAirline Reporting Corporation.If your flight doesn’t meet theserequirements, or if it exceeds thecorresponding maximum dollar value,you may request a FlexAir Reward.The maximum dollar value is for the totalcost of the ticket, including all applicabletaxes and fees.Where youcan flyPoints (Max )Trip LengthAlaska, Hawaii,Bermuda,Bahamas,Caribbean45,000 ( 600)30 daysmaximumEurope60,000 ( 800)30 daysmaximumCentral andSouth America,Africa, Asia,South Pacific85,000 ( 1,150)30 daysmaximumBusiness/First classDeparting from: Any of the 50 United States,Puerto Rico, U.S. Virgin IslandsWhere youcan fly ny destinationAworldwidePoints (Max )Trip Length100,000 ( 1,500)135,000 ( 2,000)200,000 ( 3,000)265,000 ( 4,000)335,000 ( 5,000)30 daysmaximumCar Rental RewardsEconomy classDeparting from: Any of the 50 United States,Puerto Rico, U.S. Virgin IslandsBook any size vehicle for any number of days. The number of Points you need to redeemfor a Car Rental Reward will bedetermined at the time of redemption. Optional charges are not included inthe Reward (e.g., refueling, liabilityinsurance, drop-off charges). You maybe required to present a credit cardat check-in to cover these charges. You must meet credit, age and driverrequirements. Present your Card when you pick upand return the car.Where youcan flyHotel and Resort RewardsPoints (Max )Trip LengthContinental U.S. 25,000 ( 470)Visa 25,000 ( 400)MasterCard No minimumtrip lengthCanada, Mexico, 35,000 ( 600)Puerto Rico30 daysmaximumStay at any participating hotel or resortworldwide. The number of Points you need to redeemfor a Hotel or Resort Reward will bedetermined at the time of redemption. No minimum stay required.

Page 4 Accommodations and services varydepending on the property. Optional charges are not included inthe Reward. You may be required topresent a credit card at check-in tocover these charges.Cash Rewards You can redeem Points for a statementcredit, an electronic deposit (ACH) to yourchecking or savings account, a check or acharitable donation. Current Cash Reward values, and theirPoints requirements, are available onthe Site and are subject to change.Requesting a Statement Credit Points redeemed for statement credit toyour Card will post to your account within3 days of the date of redemption. Statement credits will generally be appliedto your existing balance with the highestpriced Annual Percentage Rate (APR). Receipt of a statement credit does notaffect your responsibility to pay your TotalMinimum Payment shown on eachStatement you receive from us.Requesting an electronic deposit intoa checking or savings account Please check with your financialinstitution to make sure they willaccept the electronic deposit beforeredeeming your Points for deposit intoan account at a financial institutionother than FIA Card Services, N.A. If an electronic transfer is rejected, yourPoints will be returned to your account.We will notify you within 15 days of yourrequest at the email address provided atthe time of redemption. When you redeem, an electronic depositwill be sent by us to your designatedaccount within 5 business days.Requesting a check When you request a check, we’ll mail it(first-class) to the billing address on theaccount within 14 business days. If yourequest multiple checks, we’ll mail eachone separately. The check is payable tothe primary cardholder, not to joint orauthorized users. The check is valid for 90 days from thedate it was issued. After the printedexpiration date, the check will be void,and you’ll get a statement credit for theamount within two billing cycles. This willappear on your account as a retail creditadjustment. We are not responsible for lost, stolen,or undelivered checks.Requesting a Charitable Donation Redeem your Points for a cash donationto a charitable organization. Consult your tax advisor to see if yourdonation qualifies with the IRS as acharitable donation.Gift Card RewardsUse your Points for gift cards from a varietyof retailers.Shopping online Browse the Site for gift card optionswhich are updated regularly. All redemptions are final.About gift cards Rewards may be issued as gift cards orgift certificates. Gift cards and gift certificates are subjectto each individual retailer’s policies. Fordetails, see the information that comeswith your gift card.Shipping Gift cards can be sent to a P.O. Boxor street address. Check the Site for gift card shippingterms.