Common use of Delta SkyMiles Clause in Contracts

Delta SkyMiles. ® Reserve Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases made after reaching $150,000 in eligible purchases through the end of the same calendar year. The extra one-half mile per dollar is not in addition to any additional miles you already earn from using the Card, including Delta purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122732 Cardmember Agreement: Part 2 of 2 Doc 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is established. You and your mean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or an Additional Cardmember, as defined below, use the Account (or sign or keep a card), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Gold Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Gold Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 1 additional miles mile (a total of 32) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 1 additional miles mile (a total of 1.52) for each $1 of eligible purchases made after reaching on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at merchants in the end of United States for advertising in select media. Purchases must be directly from media providers in the same calendar yearUnited States in order to promote a business. The extra one-half mile per dollar is You will not in addition to any earn additional miles you already on direct mail advertising. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at merchants in the United States for courier, postal, and freight shipping services. Purchases must be directly from courier, postal, and freight shipping service providers in the United States. You will not earn from using the Card, including Delta purchasesadditional miles for shipping costs added to retail purchases or moving services. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles $100 Delta Flight Credit each calendar year Restriction Other things you should know about this program If, in any calendar year, eligible purchases on Welcome Bonus Miles You may your Card Account total $10,000 or more, you will receive a Status BoostTM award $100 credit that can be redeemed with Delta toward a Delta flight purchase. A Delta flight purchase means purchases of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar yearDelta- marketed flights made directly with Delta. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchasesThe credit is only valid for payment for flights, including fare, surcharge and government- imposed taxes and fees. The eligible purchases required to receive these awards are shown belowcredit may also be applied toward the Delta airfare portion of a Delta Vacations package. Annual Eligible Purchases MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status The credit is not based on MQMs alonevalid for other types of fees (including bag fees, change fees, upgrades or other ancillary purchases or fees with Delta). Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program The credit You may forfeit some or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. does not have any cash value. The credit expires within one year from the date of issuance and must be redeemed on or before the expiration date. The credit will be issued to you within 8 to 12 weeks after meeting the purchase requirement in the form of a redeemable code and sent to you in an email from Delta to the email address listed on your SkyMiles account. For more information, log into your SkyMiles account on xxxxx.xxx. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 Cardmember Agreement: Part 2 of 2 Doc 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is established. You and your mean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or an Additional Cardmember, as defined below, use the Account (or sign or keep a card), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Platinum Business American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Platinum Business American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year You receive 2 additional miles (a total of 3) for each $1 of eligible purchases made on the your Card total more than $150,000Account charged directly with hotels worldwide (excluding timeshares, you banquets, and events). You receive 0.5 additional miles (a total of 1.5) for each $1 of eligible purchases made after reaching on your Card Account of $150,000 in eligible purchases through the end of the same calendar year5,000 or more, up to 50,000 additional miles. The extra one-half mile per dollar is not in addition to any additional miles you already earn from using the Card, including Delta purchasespurchases and purchases charged directly with hotels worldwide. If the merchant divides the entire transaction into purchases of less than $5,000 before providing the information to American Express you will not earn the extra miles associated with this benefit. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 25,000 10,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 50,000 or more An additional 15,000 10,000 MQMs Status BoostTM Restrictions You can only earn four two Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Platinum Card Account linked to the same SkyMiles account, you are eligible for only four two Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive get the difference between the first and second awards. Other things you should know about this program You may forfeit some or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 Cardmember Agreement: Part 2 of 2 Doc 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is established. You and your mean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or an Additional Cardmember, as defined below, use the Account (or sign or keep a card), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Business Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 2 additional miles (a total of 1.53) for each $1 of eligible purchases made after reaching on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 25,000 10,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 50,000 or more An additional 15,000 10,000 MQMs Status BoostTM Restrictions You can only earn four two Status Boost awards for each Card Account. In addition, if you have more than one business Reserve consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only four two Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some will receive miles only for eligible purchases intended for personal, family or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of businesshousehold use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 1122744 Cardmember Agreement: Part 2 of 2 Doc 27311 28549 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means You and your mean the person who applied for this Account or to and for whom we address billing statements. Company means opened the business for which the Account is establishedAccount. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember and the CompanyCardmember. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or may request a card for an Additional Cardmember, as defined below, use the Account Cardmember (or sign or keep a cardsee About Additional Cardmembers in Part 2), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Business Gold American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Gold American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 1 additional miles mile (a total of 32) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 1 additional miles mile (a total of 1.52) for each $1 of eligible purchases made after reaching on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122732 Cardmember Agreement: Part 2 of 2 Doc 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is established. You and your mean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or an Additional Cardmember, as defined below, use the Account (or sign or keep a card), you agree to the terms of the Agreement.February

Delta SkyMiles. ® Reserve Business Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 2 additional miles (a total of 1.53) for each $1 of eligible purchases made after reaching on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's ’s code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Closing Date of the billing period in which it is due, you will forfeit the miles you earned received for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date close of your next billing period on February 1015 , then you will not earn miles for purchases spend in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 25,000 10,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 50,000 or more An additional 15,000 10,000 MQMs Status BoostTM Restrictions You can only earn four two Status Boost awards for each Card Account. In addition, if you have more than one business Reserve consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only four two Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some will receive miles only for eligible purchases intended for personal, family or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of businesshousehold use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 1122687 Cardmember Agreement: Part 2 of 2 Doc 27311 28549 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means You and your mean the person who applied for this Account or to and for whom we address billing statements. Company means opened the business for which the Account is establishedAccount. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember and the CompanyCardmember. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or may request a card for an Additional Cardmember, as defined below, use the Account Cardmember (or sign or keep a cardsee About Additional Cardmembers in Part 2), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Business Gold American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Gold American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions How you receive additional miles You receive 2 1 additional miles mile (a total of 32) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Stays prepaid hotels and vacation rentals ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 1 additional miles mile (a total of 1.52) for each $1 of eligible purchases made after reaching on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of business. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its program. FDR 1122732 Cardmember Agreement: Part 2 of 2 Doc 27311 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means the person who applied for this Account or to whom we address billing statements. Company means the business for which the Account is established. You and your mean the Basic Cardmember and the Company. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or an Additional Cardmember, as defined below, use the Account (or sign or keep a card), you agree to the terms of the Agreement.February

Delta SkyMiles. ® Reserve Business Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 2 additional miles (a total of 1.53) for each $1 of eligible purchases made after reaching on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 25,000 10,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 50,000 or more An additional 15,000 10,000 MQMs Status BoostTM Restrictions You can only earn four two Status Boost awards for each Card Account. In addition, if you have more than one business Reserve consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only four two Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some will receive miles only for eligible purchases intended for personal, family or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of businesshousehold use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 1122744 Cardmember Agreement: Part 2 of 2 Doc 27311 28549 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means You and your mean the person who applied for this Account or to and for whom we address billing statements. Company means opened the business for which the Account is establishedAccount. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember and the CompanyCardmember. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or may request a card for an Additional Cardmember, as defined below, use the Account Cardmember (or sign or keep a cardsee About Additional Cardmembers in Part 2), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Business Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Stays prepaid hotels and vacation rentals ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 2 additional miles (a total of 1.53) for each $1 of eligible purchases made after reaching on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases through on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the end of the same calendar yearUnited States. The extra one-half mile per dollar is Superstores and warehouse clubs are not in addition to any additional miles you already earn from using the Card, including Delta purchasesconsidered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 or more An additional 15,000 MQMs Status BoostTM Restrictions You can only earn four Status Boost awards for each Card Account. In addition, if you have more than one business Reserve Card Account linked to the same SkyMiles account, you are eligible for only four Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some will receive miles only for eligible purchases intended for personal, family or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of businesshousehold use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. MQD Boost You will earn one (1) Medallion Qualification Dollar (MQD) for each $20 of eligible purchases charged to your Card Account during a Qualification Year. MQDs earned during a Qualification Year are used to determine qualification for Medallion Status for the subsequent Medallion Year for the SkyMiles account associated with your Card Account. MQDs have no cash value and are not redeemable for Award Travel or other SkyMiles redemptions. MQDs are not transferrable or assignable to any other person and cannot be gifted to another SkyMiles member. All Medallion Status Qualification and Medallion Benefits rules and policies apply and may be viewed at xxxxx.xxx/xxxxxxxxx. MQDs will not extend or roll over from year to year, and MQD balance will be reset to zero on or about January 1 each calendar year. Medallion Status is calculated annually based on activity during a Qualification Year. A Qualification Year is from January 1 to December 31 of a given year. The close of the Qualification Year is December 31, without regard to the time of the year that the Card Account is opened. This means that for the first year of Card Membership, the Card Member's eligible purchase period for the MQD Benefit may be shorter than twelve months. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees, interest charges, cash advances, purchases of travelers' checks, person-to-person transactions, purchases or reloading of prepaid cards, purchases of gift cards, or purchases of other cash equivalents. American Express relies on the transaction date submitted to us by the merchant, which may differ from the date you make a purchase, to determine whether the purchase counts toward the MQD threshold in that Qualification Year. This means that in some cases your purchases may not count toward the MQD threshold in the year in which you made the purchases. For example, if you make a purchase on December 31 and the merchant lists the transaction date as January 1 when they submit the transaction data to us, your purchase will be counted in the Qualification Year which began on that January 1. MQDs will be deducted from the MQD Balance (and may result in a negative MQD Balance) for any returns or other credits, and Delta reserves the right to adjust, remove, or suspend Medallion Status if you return, reverse or charge back eligible purchases in a way that reduces your MQD balance below the threshold of any Medallion Tier for the preceding Qualification Year. To receive the MQDs, your account must not be canceled or past due at the time the MQDs are posted to your account. If Delta and/or American Express determine that you have engaged in abuse, misuse, or gaming in connection with this MQD Benefit in any way or that you intend to do so, Delta may not credit, Delta may freeze, or Delta may take away MQDs from your account or terminate your participation in the SkyMiles Program. MQDs may take 8 to 12 weeks after the eligible transaction posts to the Card Account to be posted to the Basic Card Member's Delta SkyMiles account. Basic Card Members can confirm their MQD progress for a Qualification Year by logging into their SkyMiles account on xxxxx.xxx or in the Fly Delta app. FDR 1122732 1122766 Cardmember Agreement: Part 2 of 2 Doc 27311 28549 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means You and your mean the person who applied for this Account or to and for whom we address billing statements. Company means opened the business for which the Account is establishedAccount. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember and the CompanyCardmember. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or may request a card for an Additional Cardmember, as defined below, use the Account Cardmember (or sign or keep a cardsee About Additional Cardmembers in Part 2), you agree to the terms of the Agreement.

Delta SkyMiles. ® Reserve Business Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Reserve Business Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages If in any calendar year eligible purchases made on the Card total more than $150,000, you You receive 0.5 2 additional miles (a total of 1.53) for each $1 of eligible purchases made after reaching on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $150,000 in 1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the United States. Superstores and warehouse clubs are not considered supermarkets. Purchases made through the end of the same calendar year. The extra onea third-half mile per dollar is party payment account or on an online marketplace (with multiple retailers) will not in addition to any receive additional miles you already earn from using the Card, including Delta purchasesmiles. Merchants are typically assigned codes and categorized based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's , or a particular merchant location, uses a code that is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital walletmiles. For questions about additional miles on a purchase, call the number on the back of your Card. A purchase may not receive additional miles if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info rewardsinfo for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When you will receive your we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Closing Date of the billing period in which it is due, you will forfeit the miles you earned received for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date close of your next billing period on February 1015 , then you will not earn miles for purchases spend in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. CMAENPSP0000253 Page 3 of 4 How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year Restriction on Welcome Bonus Miles You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $30,000 15,000 25,000 10,000 MQMs $60,000 An additional 15,000 MQMs $90,000 An additional 15,000 MQMs $120,000 50,000 or more An additional 15,000 10,000 MQMs Status BoostTM Restrictions You can only earn four two Status Boost awards for each Card Account. In addition, if you have more than one business Reserve consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only four two Status Boost awards (one per threshold) each calendar year. MQMs earned through Status Boost are yours to keep or to gift to someone else. If you wish to gift them to someone else, you must do so within 30 days of the award date. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. You may receive Welcome Bonus Miles for opening a Card Account. If you open another Card Account with a higher Welcome Bonus Miles award, you will only receive the difference between the first and second awards. Other things you should know about this program You may forfeit some will receive miles only for eligible purchases intended for personal, family or all of the miles you have received for items that are not purchased for use or consumption by the Company in its ordinary course of businesshousehold use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to its Delta's program. FDR 1122732 1119178 Cardmember Agreement: Part 2 of 2 Doc 27311 28549 How Your American Express Account Works Introduction About your Cardmember Agreement Words we use in the Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. Except as provided below, Basic Cardmember means You and your mean the person who applied for this Account or to and for whom we address billing statements. Company means opened the business for which the Account is establishedAccount. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember and the CompanyCardmember. You agree, jointly and severally, to be bound by the terms of this Agreement. When you or may request a card for an Additional Cardmember, as defined below, use the Account Cardmember (or sign or keep a cardsee About Additional Cardmembers in Part 2), you agree to the terms of the Agreement.