Common use of Billing Rights Clause in Contracts

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Preferred B Pricing Effective 05/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 12.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Signature Pricing Effective 05/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 14.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Signature Pricing B Pricing Effective 05/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 11.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 5/19/2022 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 16% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Signature Pricing C Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 13.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Signature Pricing B Pricing Effective 05/19/2023 03/13/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 14% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Signature Pricing B Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 13%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 9.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 5/19/2022 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 12.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 01/01/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 6.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Preferred Rewards B Pricing Effective 05/19/2023 3/19/2020 How We Will Calculate Your Balance: We use a method called “average a verage daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 12% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Signature Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 10.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Preferred Rewards B Pricing Effective 05/19/2023 01/03/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 7.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Preferred Rewards B Pricing Effective 05/19/2023 5/19/2022 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 11.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 01/03/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 11%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Preferred Rewards B Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 14.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 03/13/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 9.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 3/19/2020 How We Will Calculate Your Balance: We use a method called “average a verage daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 15% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 10.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 5/19/2022 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 03/13/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 12.75%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 03/13/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Preferred B Pricing Effective 05/19/2023 02/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 8.00% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 05/19/2023 5/19/2022 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 10.75%This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Preferred Rewards B Pricing Effective 05/19/2023 02/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 11.75% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Signature Pricing Effective 05/19/2023 02/19/2023 How We Will Calculate Your Balance: We use a method called an “average daily balance (including new purchases).) method” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 18% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None $95 Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards Preferred B Pricing Effective 05/19/2023 04/19/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 13.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 01/03/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 13.25%This 14.5% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multicurrency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B C Pricing Effective 05/19/2023 01/03/2023 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.