Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for each additional Delta Reserve card. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction None

Appears in 7 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122726 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 7 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for each additional Delta Reserve card. Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction None

Appears in 7 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 6 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 6 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 5 contracts

Sources: Morgan Stanley Platinum Card Agreement, Morgan Stanley Platinum Card Terms and Conditions, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Preferred® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card 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. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. New York Card Members Only: New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. New York Card Members can also redeem reward dollars while their Card Account is past due. You must call the number on the back of your Card to redeem after notification of account cancellation or while your account is past due. You will not be able to redeem in your online Account or mobile application. You are a New York Card Member if your Card Account has a New York billing address. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. reward dollars New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. You are a New York Card Member if your Card Account has a New York billing address. The Reward Dollars Summary The reward dollars shown on your billing statement If a credit to your Card Account places your under the heading Reward Dollars Summary is only eligible purchases in a negative status, the for informational purposes. It does not show the Reward Dollars Summary on your billing actual reward dollars that you may be entitled to statement will show a negative balance. It will receive. For example, a credit for eligible purchases continue to show a negative balance until you posted to your Card Account can lower the reward accumulate eligible purchases exceeding the dollars shown. negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. FDR 1176446 Doc 28549

Appears in 5 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred® American Express Card How you earn reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. 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. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services aren't considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. When you will not earn You will not earn reward dollars for eligible for that billing period is not paid by the Payment Due reward dollars purchases posted to your Card Account Date shown on that statement. during a billing period if the Minimum Payment Due shown on the statement Credits for eligible purchases will reduce the number of reward dollars you earn. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. New York Card Members Only: New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. New York Card Members can also redeem reward dollars while their Card Account is past due. You must call the number on the back of your Card to redeem after notification of account cancellation or while your account is past due. You will not be able to redeem in your online Account or mobile application. You are a New York Card Member if your Card Account has a New York billing address. When you will forfeit reward You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. dollars New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. You are a New York Card Member if your Card Account has a New York billing address. The Reward Dollars Summary The reward dollars shown on your billing statement under the heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the reward dollars shown. If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Program Eligibility The ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred® Card is only available to you if you have an eligible account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ LLC or its eligible affiliates, including but not limited to E*TRADE Securities LLC (▇▇▇▇▇▇ ▇▇▇▇▇▇▇). American Express will only issue the ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred Card to (1) an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client who is an individual; and (2) an individual associated with an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client (if the eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client itself is not an individual). An eligible account is a brokerage account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ (i) held in your name, (ii) held by a trust where you are both the Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible grantor and trustee of such trust, or (iii) account. held as a beneficial owner of a personal holding company, a non-operating limited liability company, a non-operating limited partnership, or a similar legal entity. How you can receive a If, in any calendar year, the total eligible A calendar year is from January 1 to December $100 Statement Credit each purchases charged to your ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ 31 regardless of when you open your Card calendar year Blue Cash Preferred Card Account equal Account. This means that during your first year $15,000 or more (Purchase Requirement), as a Cardmember you may have fewer months to you will receive a $100 statement credit accumulate eligible purchases towards the $100 ($100 Statement Credit). Statement Credit Purchase Requirement. The $100 Statement Credit will be posted The benefit is only available to the Basic Card to your account within 8-12 weeks after Member; however, eligible purchases made by the Purchase Requirement is met. Please Additional Card Members will contribute to the call the number on the back of your Card Purchase Requirement. if the statement credit has not posted after 12 weeks from the date when you met the Purchase Requirement. Other things you should know You will only receive rewards for eligible We may change the terms of this program at our about this program purchases for personal, family or household discretion. If you violate or abuse this program, use. you may forfeit some or all of your accrued reward Reward dollars are redeemable for rewards dollars. as described above, they are not cash. FDR 1176446 Doc 28549

Appears in 5 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge~~ Each Additional Platinum Card is $~~175 for~~ 195 annually, and each ~~additional Delta Reserve card~~Companion Platinum Card is $0 annually. Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAEUFEEPAPR103 Page 2 of 2 FDR 1176433 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 5 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 5 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None your Hilton Honors 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. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122669 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to~~ Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a ~~purchase balance, unless we tell you otherwise~~finance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $5,000 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. You may have up to 2 additional Centurion Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122726 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy® American Express® Card (Card Account). Eligible purchases do NOT include: ● fees or interest charges, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, ● purchases of gift cards (except Marriott gift cards purchased at Marriott online stores), or ● person-to-person transactions. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Silver Elite (Silver Elite) Status with your Marriott Bonvoy American Express Card. This complimentary Silver Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite (Gold Elite) based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will only receive rewards for eligible purchases for personal, family or household use. Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account. 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1176446 Doc 28549

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy Brilliant® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card (Card Account). 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. CMAENPSP0000245 Page 3 of 4 Elite Status You will receive complimentary Marriott Bonvoy You will not receive enrollment in Platinum Elite if Platinum Elite (Platinum Elite) Status with your you are already enrolled in the same Status or any Marriott Bonvoy Brilliant American Express Card. higher Status. This complimentary Platinum Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Platinum Elite Status provided with the Card will be cancelled. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Delta SkyMiles® Platinum American Express Card purchases on your Delta SkyMiles® Platinum American Express Card (Card Account). 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 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 You receive 2 additional miles (a total of 3) for each $1 of eligible purchases 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 $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. 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ 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 ▇▇▇▇▇ 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. 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. 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 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. $25,000 10,000 MQMs $50,000 or more An additional 10,000 MQMs Status BoostTM Restrictions You can only earn two Status Boost awards for each Card Account. In addition, if you have more than one consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only two Status Boost awards (one per threshold) each calendar year. 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 ▇▇▇▇▇.▇▇▇. You will receive miles only for eligible purchases intended for personal, family or household 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 Delta's program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122726 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge~~ Each Additional Platinum Card is $~~175 for~~ 195 annually, and each ~~additional Delta Reserve card~~Companion Platinum Card is $0 annually. Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAEUFEEPAPR103 Page 2 of 4 Platinum Card® from American Express Exclusively for ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ The Platinum Card® from American Express Exclusively for ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab One® or Schwab General Brokerage Account held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, ▇▇▇▇ or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. This benefit is only available to the Basic Card Member on the Card Account and will be awarded based on either: 1) the Basic Card Member's membership in Schwab Private Wealth Services or 2) the Basic Card Member's Qualifying Schwab Holdings, in each case as described below. Basic Card Members may only receive one Schwab Appreciation Bonus each year of Card Membership.

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each~~ You may have up to 3 additional ~~Delta Reserve card~~cards at no charge. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express The ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, ▇▇▇▇ or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your ▇▇▇▇▇▇▇ contact ▇▇▇▇▇▇▇ ▇▇▇▇▇▇. Schwab Investor Credit Card from American If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Everyday® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card 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. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 3% on the first $6,000 of eligible U.S. online retail purchases in a calendar year (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases); ● 3% on the first $6,000 of eligible purchases in a calendar year of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. New York Card Members Only: New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. New York Card Members can also redeem reward dollars while their Card Account is past due. You must call the number on the back of your Card to redeem after notification of account cancellation or while your account is past due. You will not be able to redeem in your online Account or mobile application. You are a New York Card Member if your Card Account has a New York billing address. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. reward dollars New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. You are a New York Card Member if your Card Account has a New York billing address. The reward dollars shown on your billing statement under the heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the reward dollars shown. If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. FDR 1176446 Doc 28549

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Preferred® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card 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. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. The Reward Dollars The reward dollars shown on your billing statement If a credit to your Card Account places your Summary under the heading Reward Dollars Summary is only eligible purchases in a negative status, the for informational purposes. It does not show the Reward Dollars Summary on your billing actual reward dollars that you may be entitled to statement will show a negative balance. It will receive. For example, a credit for eligible purchases continue to show a negative balance until you posted to your Card Account can lower the reward accumulate eligible purchases exceeding the dollars shown. negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Everyday® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card 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. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 3% on the first $6,000 of eligible U.S. online retail purchases in a calendar year (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases); ● 3% on the first $6,000 of eligible purchases in a calendar year of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. The Reward Dollars The reward dollars shown on your billing statement If a credit to your Card Account places your Summary under the heading Reward Dollars Summary is only eligible purchases in a negative status, the for informational purposes. It does not show the Reward Dollars Summary on your billing actual reward dollars that you may be entitled to statement will show a negative balance. It will receive. For example, a credit for eligible purchases continue to show a negative balance until you posted to your Card Account can lower the reward accumulate eligible purchases exceeding the dollars shown. negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. CMAEUPSP0000223 Page 4 of 4 FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 4 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each~~ You may have up to 3 additional ~~Delta Reserve card~~cards at no charge. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express The ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a ▇▇▇▇▇▇ One® or ▇▇▇▇▇▇ General Brokerage Account held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a ▇▇▇▇▇▇ Traditional, ▇▇▇▇ or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. We may cancel your ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible account. made on your Card Account. The cash back you receive is 1.5% of the dollar amount of eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● 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. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 8 to 12 weeks from you have multiple eligible ▇▇▇▇▇▇ accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your ▇▇▇▇▇▇▇ contact ▇▇▇▇▇▇▇ ▇▇▇▇▇▇. ▇▇▇▇▇▇ Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any rea transferred to your eligible account. son, you may lose any cash back not already The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our d program, you may forfeit some or all of your cash iscretion. If you violate the terms or abuse this back. FDR 1176446 Doc 28549

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for the first 5 additional cards, we will charge $~~175~~ 35 for each additional ~~Delta Reserve card~~card thereafter. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122726 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $~~175~~ 65 for up to 5 additional cards, then $65 for each additional Delta Reserve card. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreementcard thereafter. Late Payment Up to $40. If we you do not ~~receive~~ pay the ~~Minimum Payment~~ Amount Due on a billing statement by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 consecutive billing periods, the fee is $4040 instead. However, the late fee will not exceed the ~~Minimum Payment~~ Amount Due~~. Paying late may also result in a penalty APR. See Penalty APR for new transactions above~~. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable Minimum Payment~~ Amount Due~~. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above~~. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None~~Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See ~~Credit limit and cash advance limit~~ Converting charges made in a foreign currency in Part 2. ~~Account Re-opening $25 if your Account is cancelled~~FDR 1176478 Doc 27313 Agreement the Cardmember Agreement (Agreement) for you sign or keep the card), you ~~ask us~~ agree to ~~re-open it~~the terms the Account identified on page 1 of Part 1. Any of the Agreement. supplements or amendments are also part 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. Words we use in the Agreement We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers below). Changes to some terms may require 45 days advance notice, and we ~~do so. Cash Advance 5% of~~ will tell you in the ~~cash advance transaction (including fees charged by~~ notice if you have the ~~ATM operator, if any), with~~ right to reject a ~~minimum of $10~~change. We ~~will add this fee to~~ cannot change certain terms during the ~~Cash Advance balance. Foreign Transaction None~~first year of your Cardmembership.

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Aspire 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. You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and ● purchases directly from select major car rental companies listed at merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. If the total eligible purchases on your Card Account reach $60,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases towards a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $~~175~~ 95 for up to 5 Additional Business Gold Cards, and $95 for each ~~additional Delta Reserve card~~Additional Business Gold Card after the first 5. ~~Plan Fee Monthly up to 1.33% of~~ There is no annual fee for each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is activeAdditional Business Expense Card. The ~~dollar amount~~ maximum number of ~~your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement~~Additional Cards on an Account is 99. Late Payment ~~Up to $40.~~ If we do not receive the Amount Due (Minimum Payment Due if you have a Pay Over Time balance) by its Payment Due Date, the fee is $2939. ~~If this happens again within~~ For each following Payment Due Date that an amount past due remains unpaid, we may charge a fee of the ~~next 6 billing periods, the fee is~~ greater of $4039 or 2.99% of any past due Pay In Full amounts. ~~However, the~~ Your late fee will not exceed the ~~Minimum Payment~~ Amount Due. Paying late may also result in a penalty APR. See ~~Penalty~~ When the penalty APR ~~for new transactions~~ will apply above. Returned Payment ~~Up to~~ $~~40. If you make a~~ 39 if your payment ~~that~~ is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty ~~APR~~APR for Pay Over Time balances. See ~~Penalty~~ When the penalty APR ~~for new transactions~~ will apply above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 25, if your ~~Account~~ account is cancelled, you ask us to re-open it, and we do so. ~~Cash Advance 5%~~ Foreign Transaction None About Pay Over Time See More About Pay Over Time in Part 2 of this Agreement for important additional information about the ~~cash advance transaction (including fees charged by the ATM operator, if any)~~Pay Over Time feature. Pay Over Time allows you to pay eligible charges on your Account over time, with ~~a minimum of $10~~interest up to your Pay Over Time Limit. We At Account opening, the Pay Over Time feature on your Account is set to On. That means we will ~~add this fee to the Cash Advance~~ automatically place eligible charges into your Pay Over Time balance. ~~Foreign Transaction None~~The feature allows you to alternate between On and Off settings. When turned Off, no new charges will be included in your Pay Over Time balance, and new charges will be added to your Pay in Full balance. You can change this setting by calling the number on the back of your Card or by managing your settings within your mobile app or online account. You can change your Pay Over Time setting at any time, but your setting at 8 p.m. Eastern Time will determine whether a charge made on that day is automatically added to your Pay Over Time balance. If you transfer to a new Card product with the same Account number at any time, you will remain eligible for Pay Over Time, and your current setting at the time of transfer will remain in effect on your new Card. CMAEUFEEPAPR111 Page 2 of 2 FDR 1176464 Doc 28234

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge~~ The first Additional Platinum Card is $~~175 for~~ 0 annually, each ~~additional Delta Reserve card~~Additional Platinum Card after the first Card is $195 annually, and each Companion Platinum Card is $0 annually. Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Platinum Card® from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ is only available to you if you have an eligible account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ LLC (▇▇▇▇▇▇ ▇▇▇▇▇▇▇). An eligible account is a brokerage account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ to (1) an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client who is an individual; and (2) an individual associated with an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client (if the eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1176433 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy® American Express® Card (Card Account). 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Silver Elite (Silver Elite) Status with your Marriott Bonvoy American Express Card. This complimentary Silver Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite (Gold Elite) based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on~~ Platinum Card after the ~~plan duration, the APR that would otherwise apply to the purchase or amount~~first 3, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement$0 for additional Gold Cards. Late Payment Up to $4038. If we do not receive the Amount Due (Minimum Payment Due if you have a Pay Over Time balance) by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Amount Due or the Minimum Payment Due, as applicable. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due or, if you have a Pay Over Time balance, the Minimum Payment Due. A returned payment may also result in a penalty ~~APR~~APR for any Pay Over Time balances you may have. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. ~~Cash Advance 5%~~ Foreign Transaction None About Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the ~~cash advance transaction~~ Pay Over Time feature. We may add a feature to your Account that allows you to pay certain charges over time, with interest (~~including fees charged~~ Pay Over Time). If the Pay Over Time feature on your Account is set to Select, you may request to place eligible purchases from the current or preceding billing period in your Pay Over Time Select balance. If we approve your request, we will place the charge in your Pay Over Time Select balance. If we decline your request, you must pay the charge in full by the ~~ATM operator,~~ Payment Due Date. A charge is eligible for Pay Over Time if ~~any), with~~ it equals or is more than a ~~minimum of $10~~certain dollar amount. We will ~~add~~ tell you this ~~fee~~ amount when you enroll, and it is subject to change. We will tell you if we change it. If we allow you to enroll in the Pay Over Time Direct feature, we will automatically place eligible purchases in your Pay Over Time Direct balance. You may alternate between the Select and Direct settings. You can do so by visiting us online at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇ or by calling the number on the back of your Card. FDR 1065953 Cardmember Agreement: Part 2 of 2 Doc 27303 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 ~~Cash Advance balance~~terms of the Agreement. ~~Foreign Transaction None~~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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points when: 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. ● 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the or more. calendar year in which it was earned and the A calendar year is from January 1 to December 31 regardless of when you open your Card Account. subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy BevyTM American Express® Card (Points) for each $1 of eligible purchases on your Marriott Bonvoy Bevy™ 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide and 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at supermarkets located in the United States. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. the Payment Due Date of the billing period in which it is due, you will forfeit the Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Gold Elite (Gold Elite) Status with your Marriott Bonvoy Bevy American Express Card. This complimentary Gold Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Gold Elite Status provided with the Card will be cancelled. Only the Basic Cardmember will be enrolled. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. (Marriott). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Appears in 3 contracts

Sources: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Aspire 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. You receive 11 additional Points (a total of You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and ● purchases directly from select major car rental companies listed at merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. If the total eligible purchases on your Card Account reach $60,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases towards a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy BevyTM American Express® Card (Points) for each $1 of eligible purchases on your Marriott Bonvoy Bevy™ 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide and 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at supermarkets located in the United States. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. the Payment Due Date of the billing period in which it is due, you will forfeit the Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Gold Elite (Gold Elite) Status with your Marriott Bonvoy Bevy American Express Card. This complimentary Gold Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Gold Elite Status provided with the Card will be cancelled. Only the Basic Cardmember will be enrolled. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. (Marriott). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each~~ You may have up to 3 additional ~~Delta Reserve card~~cards at no charge. Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express The ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, ▇▇▇▇ or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your ▇▇▇▇▇▇▇ contact ▇▇▇▇▇▇▇ ▇▇▇▇▇▇. Schwab Investor Credit Card from American If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred® American Express Card How you earn reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. 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. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services aren't considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards 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 rewards 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 rewards on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the number reward dollars purchases posted to your Card Account of reward dollars you earn. during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit reward dollars You will forfeit your entire reward dollar balan ce if your Card Account is cancelled for any reason. The Reward Dollars Summary The reward dollars shown on your billing statement under the heading Reward If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Dollars Summary is only for informational Summary on your billing statement will show a purposes. It does not show the actual negative balance. It will continue to show a negative reward dollars that you may be entitled to balance until you accumulate eligible purchases receive. For example, a credit for eligible exceeding the negative eligible purchases. purchases posted to your Card Account can lower the reward dollars shown. Program Eligibility The ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred® Card is only available to you if you have an eligible account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ LLC or its eligible affiliates, including but not limited to E*TRADE Securities LLC (▇▇▇▇▇▇ ▇▇▇▇▇▇▇). American Express will only issue the ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Blue Cash Preferred Card to (1) an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client who is an individual; and (2) an individual associated with an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client (if the eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client itself is not an individual). An eligible account is a brokerage account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ (i) held in your name, (ii) held by a trust where you are both the Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible grantor and trustee of such trust, or (iii) account. held as a beneficial owner of a personal holding company, a non-operating limited liability company, a non-operating limited partnership, or a similar legal entity. How you can receive a If, in any calendar year, the total eligible A calendar year is from January 1 to December $100 Statement Credit each purchases charged to your ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ 31 regardless of when you open your Card calendar year Blue Cash Preferred Card Account equal Account. This means that during your first year $15,000 or more (Purchase Requirement), you will receive a $100 statement credit ($100 Statement Credit). The $100 Statement Credit will be posted to your account within 8-12 weeks after the Purchase Requirement is met. Please call the number on the back of your Card if the statement credit has not posted after 12 weeks from the date when you met the Purchase Requirement. as a Cardmember you may have fewer months to accumulate eligible purchases towards the $100 Statement Credit Purchase Requirement. The benefit is only available to the Basic Card Member; however, eligible purchases made by Additional Card Members will contribute to the Purchase Requirement. Other things you should know You will only receive rewards for eligible We may change the terms of this program at our about this program purchases for personal, family or household discretion. If you violate or abuse this program, use. you may forfeit some or all of your accrued reward Reward dollars are redeemable for rewards dollars. as described above, they are not cash. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122704 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott Bonvoy Brilliant® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card (Card Account). 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Platinum Elite (Platinum Elite) Status with your Marriott Bonvoy Brilliant American Express Card. This complimentary Platinum Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Platinum Elite Status provided with the Card will be cancelled. You will not receive enrollment in Platinum Elite if you are already enrolled in the same Status or any higher Status. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● ▇▇▇▇▇▇▇▇'s right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Hilton Honors American Express Surpass® Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® 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. You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇ for more information. If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None your Hilton Honors 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. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Hilton Honors American Express Surpass® Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® 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, ● 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. You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). You receive 1 additional Point (a total of 4) for each dollar of eligible U.S. online retail purchases on your Card Account (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. ▇▇▇▇▇▇ Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇ for more information. If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Free Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Free Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Free Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call ▇▇▇▇▇▇ Honors to redeem your Free Night Reward. The Free Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of ▇▇▇▇▇▇ on your Hilton Honors program account. ▇▇▇▇▇▇ Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1176446 Doc 28549

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Hilton Honors American Express Surpass® Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® 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, ● 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. You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). You receive 1 additional Point (a total of 4) for each dollar of eligible U.S. online retail purchases on your Card Account (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇ for more information. If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Free Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Free Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Free Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Free Night Reward. The Free Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points when: Eligible purchases do NOT include: ● fees or interest charges, ● 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. ● 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. ▇▇▇▇▇▇ Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. When you will forfeit Points If the Minimum Payment Due is not paid by the You may reinstate those Points within the next 12 Payment Due Date of the billing period in which billing periods if your Card Account is not past due it is due, you will forfeit the Points you earned for and you pay a $35 fee. 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 Points for purchases in the billing period ending February 15. ▇▇▇▇▇▇ Honors Status You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the or more. calendar year in which it was earned and the A calendar year is from January 1 to December 31 regardless of when you open your Card Account. subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless You will receive Points only for eligible purchases intended for personal, family or household use. Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel your Card Account if you do not maintain an active Hilton Honors loyalty account. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of ▇▇▇▇▇▇ on your Hilton Honors program account. ▇▇▇▇▇▇ Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1176446 Doc 28549

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAEUFEEPAPR103 Page 2 of 2 FDR 1122761 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Delta SkyMiles® Blue American Express Card purchases on your Delta SkyMiles® Blue American Express Card (Card Account). 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 You receive 1 additional mile (a total of 2) 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 You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ 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 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 ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. 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. 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. You will receive miles only for eligible purchases intended for personal, family or household 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 Delta's program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge~~ Each Additional Platinum Card is $~~175 for~~ 195 annually, and each ~~additional Delta Reserve card~~Companion Platinum Card is $0 annually. Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAEUFEEPAPR103 Page 2 of 2 FDR 1176441 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122613 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to~~ Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a ~~purchase balance, unless we tell you otherwise~~finance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $5,000 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. You may have up to 2 additional Centurion Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122669 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1~~. We will charge $175 for each additional Delta Reserve card~~. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points when: Eligible purchases do NOT include: ● fees or interest charges, ● 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. ● 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. ▇▇▇▇▇▇ Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇. When you will forfeit Points If the Minimum Payment Due is not paid by the You may reinstate those Points within the next 12 Payment Due Date of the billing period in which billing periods if your Card Account is not past due it is due, you will forfeit the Points you earned for and you pay a $35 fee. 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 Points for purchases in the billing period ending February 15. ▇▇▇▇▇▇ Honors Status You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the or more. calendar year in which it was earned and the A calendar year is from January 1 to December 31 regardless of when you open your Card Account. subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless Other things you should You will receive Points only for eligible purchases We are not responsible for Points after they are know about this program intended for personal, family or household use. credited to your Hilton Honors program account. We may change the terms of this program at our We are also not responsible for the actions of discretion. If you violate or abuse this program, you Hilton on your Hilton Honors program account. may forfeit some or all of your Points. ▇▇▇▇▇▇ Honors membership and redemption of your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ memberbenefits for more information. Points are subject to Hilton Honors Terms and Conditions. Visit ▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇ for more information. FDR 1176446 Doc 28549

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122690 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional Platinum Card, we will charge $175 for up to 3 more after the 1st additional Platinum Card, then we will charge $175 for each additional ~~Delta Reserve~~ Platinum Card after the 4th card, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Platinum Card® from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ is only available to you if you have an eligible account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ LLC (▇▇▇▇▇▇ ▇▇▇▇▇▇▇). An eligible account is a brokerage account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ to (1) an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client who is an individual; and (2) an individual associated with an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client (if the eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1122726 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each~~ You may have up to 3 additional ~~Delta Reserve card~~cards at no charge. Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. The ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, ▇▇▇▇ or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your ▇▇▇▇▇▇▇ contact ▇▇▇▇▇▇▇ ▇▇▇▇▇▇. Schwab Investor Credit Card from American If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAENFEEPAPR128 Page 2 of 4 Marriott Bonvoy BrilliantTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy BrilliantTM American Express® Card (Card Account). 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants located in the U.S. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇-▇▇▇▇ for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. You may receive enrollment in Marriott Bonvoy Platinum Elite ("Platinum Elite") based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $75,000 or more, you will be enrolled for at least 12 months in the Platinum Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Platinum Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Platinum Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite or Platinum Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each~~ You may have up to 3 additional ~~Delta Reserve card~~cards at no charge. Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express The ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, ▇▇▇▇ or Rollover ▇▇▇ that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your ▇▇▇▇▇▇▇ contact ▇▇▇▇▇▇▇ ▇▇▇▇▇▇. Schwab Investor Credit Card from American If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up~~ Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase ~~or amount~~amount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Marriott BonvoyTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott BonvoyTM American Express® Card (Card Account). 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. You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points 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 Points 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 Points on a purchase, call the number on the back of your Card. Please visit ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at ▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ and viewing your account summary page. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. 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 Points 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 Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite ("Gold Elite") based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will only receive rewards for eligible purchases for personal, family or household 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 Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional Platinum Card, we will charge $175 for up to 3 more after the 1st additional Platinum Card, then we will charge $175 for each additional ~~Delta Reserve~~ Platinum Card after the 4th card, and $0 for additional Gold Cards. Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None Platinum Card® from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ is only available to you if you have an eligible account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇ LLC (▇▇▇▇▇▇ ▇▇▇▇▇▇▇). An eligible account is a brokerage account with ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ to (1) an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client who is an individual; and (2) an individual associated with an eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client (if the eligible ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1122761 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional ~~Delta Reserve card~~Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee ~~Monthly up~~ For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount ~~placed in~~ moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About the Plan It ~~Feature~~ feature in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None About the Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a Pay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. FDR 1122706 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Fees. ~~We add fees to a purchase balance, unless we tell you otherwise.~~ Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. ~~We will charge $175 for each additional Delta Reserve card.~~ Plan Fee ~~Monthly up to 1.33% of each purchase or amount placed in a plan based~~ This fee is described on the ~~plan duration, the APR that would otherwise apply to the purchase or amount,~~ Rates and ~~other factors~~Fees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed ~~when~~ before you set up a plan. For more information, see About ~~the~~ Plan It ~~Feature~~ in Part ~~2 of your Cardmember Agreement~~2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment ~~Due~~ Due, if applicable) by ~~its~~ the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the ~~applicable~~ Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty ~~APR~~APR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. ~~Overlimit None. See Credit limit and cash advance limit in Part 2.~~ Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Cash Advance 5% of ~~the~~ an ATM cash advance ~~transaction~~ (including ~~fees~~ any fee charged by the ATM operator~~, if any)~~) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction ~~None~~None CMAEUFEEPAPR103 Page 2 of 2 FDR 1176433 Cardmember Agreement: Part 2 of 2 Doc 27303 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. 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. We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 2 contracts

Sources: Cardmember Agreement, Cardmember Agreement

Appears in 1 contract

Sources: Cardmember Agreement

Common use of Fees Clause in Contracts